davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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. (PA)

I received an alert from XXXX and XXXX credit bureaus that an account was potentially delinquent and when I went to research the alert it was for XXXX XXXX an account from a lender I know nothing about, never applied for, never heard of, and there was also an address on my report I was unaware of. After speaking with the credit bureau the address is associated with that account. My credit payment history is exceptional for several years and I deal with really bad XXXX  this has shot my XXXX  to the roof literally freaking out as Ive worked really hard to keep good credit.
Consumer complaint received 2019-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Wallace Management Company, LLC (TN)

I went into XXXX XXXX XXXX here in XXXX, TN on XX/XX/2018 at XXXX to start a loan and was greeted by one of the Companies Loan Reps ( XXXX ) who assisted me with opening my loan. While filling out the paperwork for the said loan I asked the Rep if they reported to the credit bureaus which her response was Yes They Do which is also posted on their website that they take out a loan with them helps you build your credit. After making two payments on time I went to check my credit and seen no trace of the payments I had made on the account, I didn't even see where they had ever checked my credit score. After this discovery, I stopped payments and went to the office and was met with a hostile employee and which branch manager XXXX XXXX had to send out of the office to allow us to talk about the account. She informed me that they were switching credit companies and she couldn't go back and apply my first payment to my credit report but that the next payment would go on to my report and thereafter. After making another payment on the XX/XX/2018 of {$65.00} still, it never was reported. I returned to the Branch again to speak with The Hostile Rep who tells me that she doesn't know what's going on and that it should be on there to no avail ... I stopped paying the loan what is the point of paying for a service I am not receiving and I was lied to numerous times as to what was going on. I was happy to pay the loan until What was advertised was not Delivered. I was paying to have my credit built and told XXXX and The Branch Manager XXXX that the whole reason I was opening the loan was to Build My Credit. Then after I stopped paying them I have received letters about Legal Actions and Picking up my security items. My question to this company if doing business by falsely advertising what you are and what you can offer your customers how you practice business?
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

the company debt collector, XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX amount of debt XXXX the company was notified when we noticed the amount on my credit report, i disputed the debt captial one replied it was fraud, XXXX keeps contacting me by phone and by letter about this debt, i have sent them letters, and also the document from capitol one showing it was fraud, XXXX continues to disregard the fcra and fdca, and they are abuseive on the phone, this has been going on for month, the address they show on the debt i never lived at ... this was told to them they continue to hound me and persist i fill out papers for them that consist of what their job is for i refuse to give them any of my info much less do their job for them, i can attach letter i have sent them even by email
Consumer complaint received 2022-02-23
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 NEW UPDATED INFORMATION!!!!!!! 
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022. In your CFPB response to complaint XXXX and XXXX, you stated that you needed more time to investigate these violations that have taken place. This is very confusing to me because, had a reasonable investigation taken place, you should have on file the items you say was verified and the items I requested in my previous letter. Due to this information not being presented and you needing more time to investigate, it is my belief that you disregarded my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) with your unfair reporting of this erroneous information without first consulting with me, the consumer in which the report relates. You have no proof that this transaction even took place. You have not insured that you exercised your grave responsibility to be impartial by infringing upon my rights to privacy by having a conversation about me to a third party and parroting the information given to you by this third party without my written instruction to do so. I am demanding that this item be removed as soon as possible. Pursuan to 15 USC 1681 ( b ), you didn't meet the needs of commerce because this was not fair and equitable to me regarding confidentiality, accuracy, and proper utilization of this information. As a consumer reporting agency, as defined under 15 USC 1681 ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Unfair credit reporting undermines the public confidence which congress has made clear, is essential to the continued functioning of the banking system. 
Pursuant to 15 USC 1681a ( d ) 2, a consumer report should not include any of the following : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
As defined by congress in 15 USC 1602 ( L ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services. A transaction was authorized by my credit card. Anytime my social security card, the real credit card, is used, that account shall be excluded from my consumer report.
Consumer complaint received 2019-05-11
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)

I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency XXXX is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.
Consumer complaint received 2019-01-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/2011, I completed my schooling and began paying back my loan with Wells Fargo. The original loan amount was {$10.00}, XXXX. I have been paying on this loan now for approximately 8 years and the amount has increased instead of decreasing. My current payoff is about {$12000.00}. I contacted the company to see if they would accept a lesser amount to pay it off and they would not do it. I have already paid approximately {$9000.00} dollars. The company should be willing to accept a payoff in the amount of {$5000.00}.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/19, shortly after using my credit card for a purchase, I received a text message from XXXX stating " Notice XXXX from Chase-Bank Code : Card temporary locked. Please call us now at XXXX " When I called, I was asked to enter my " debit card number, '' and immediately hung up. I don't have a debit card with Chase Bank, and I realized my credit card was with another bank. I called the number on the back of my card, and there was no lock on my account. I also called Chase Bank to report it. They had not made the call. I have since heard from someone else in my geographical area who received the same message from Chase-Bank. I just wanted to report this possible scam.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

XX/XX/XXXX at XXXX EDT Alerted by text message from USAA of suspicious activity on my account online profile. I immediately called USAA Security ( XXXX XXXX XXXX ). I was informed a credit card was fraudulently shipped to XXXX. Subsequently, I discovered a second credit card was sent to XXXX XXXX XXXX ; 100 bank checks were ordered XXXX XXXX  ; sent to XXXX, during the XX/XX/XXXX XXXX  breach. I have only one XXXX address for all USAA Account activities. I have no connection with any mailing addresses in XXXX, XXXX or XXXX. On XX/XX/XXXX at XXXX EDT I discovered that two fraudulent checks had been cashed on XX/XX/XXXX for {$38000.00} XXXX XXXX  ; {$18000.00} after insisting on XX/XX/XXXX that my checking account be protected. Additionally on XX/XX/XXXX I received two USAA Account access 2-factor Security Codes I did not initiate ; I received a password reset link on XX/XX/XXXX for my email that I did not initiate showing the attack continued. Also my email was flooded by over 7,000 email messages in 48 hours starting XX/XX/XXXX. On XX/XX/XXXX, USAA redeposited the lost funds to the compromised account without alerting me. An attempt to cash a third stolen check was immediately made. It was blocked, but my account was charged an overdraft fee. I transferred the balance of my account to another bank. 97 remaining stolen checks are still in circulation with our personal information. USAA has not alerted any law enforcement agencies about his crime.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (OR)

After initially filing a fraud claim in XXXX- where I was told my card would be disabled and no further fraud would occur- have yet to receive full resolution for multiple fraud claims. 

This complaint is regarding the charging of monthly service fees and the charging of insufficent fund fees for transactions that were reported as not authorized. 
I HAVE YET TO RECEIVE RESOLUTION and NOT ONE EMPLOYEE WHO HAS HUNG UP THE PHONE ON ME or kicked me out of the branch has offered to apply a Customer Satisfaction Credit to cover- instantly the illegal charges of non sufficient fund fees. Wells Fargo credited XXXX- whereas I was charged {$35.00} and not refunded of all bank fees. I truly feel Wells Fargo has the worst customer service I Have ever experienced and I am genuinely confused as to how you can still claim to strive to provide outstanding customer service to its customers. I was robbed, my identity was stolen and to make matters worse- after multiple police interviews and forwarding multiple copies of police reports, and after waiting the " standard ten days '' to resolve the claim- I was kicked out of a Wells Fargo branch , I was told by a branch manager who is still receiving a pay check from Wells Fargo that she would not be willing to help me report fraud on my account. 
What I am asking for is some type of gesture to show me that Wells Fargo is sorry for what has happened, that they have empathy and that they value me. While I understand and respect there are processes to follow, it seems unfair to say the least that I am left with a financial strain and told " we need time and we need to follow the rules to resolution '' when the employees who get paid to not provide service are NOT FOLLOWING THE RULES ANS PROCCESES to achieve resolution.

I was given a {$3.00} credit today, and this is deeply dissapointing that one one thought " lets provide her with a {$35.00} customer satisfaction credit '' ...
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, 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. (NY)

Theres a collection on my Equifax on report that I dont know anything about. However theres no way to contest it because I dont know what it is. I am 100 % sure that if I was liable for that I wouldve paid it. I didnt let anything go to collections. I have paid every bill and every co-pay from any place Ive ever gone. It doesnt even show what it is. In addition Ive had XXXX for years, New York state XXXX. Theres no co-pays. So even if this was a medical debt it wouldve been covered by XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023XX/XX/year>
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

The company has reported me as deceased to the credit bureaus and I am unable to obtain credit. I have made several attempts to correct the inform and each attempt has been unsuccessful. I went into their store to provide identification as requested and my file remains incorrect. I was advised to take identification in a store to have the deceased notification removed from my file. That was done on XX/XX/20 when I spoke with a XX/XX/XXXX# XXXX at their XXXX, WI store and I was advised the three major bureaus would be notified within 30 days. I attempted to obtain a loan from XX/XX/XXXX 30 days later and was denied due to being reported as deceased. Please review my attached documents regarding my encounters with Kohls.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00}
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IA)

The debt collection company asked me if I know a " XXXX   ____ '' ( not sure about last name ) and I don't. They keep asking if I know how to contact her or someone who does. I explain that they have the wrong number and they keep calling to ask the same questions. It's annoying and they won't remove my number from their calling list.
Consumer complaint received 2019-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. 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. Please have this false information removed from my credit report.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My Mortgage is with OCWEN which recently has converted to PHH. My loan number is XXXX. About six months ago they increased the rate to 5.625 from 4.875. All the increase in payment went to Interest not principle. After ten years of this loan I am paying {$920.00} in interest and {$540.00} in principle. Before the rate increase the amount of interest and principle were approximately even. 

This is my complaint. Two things : First I feel they have cheated in the way they applied the extra payment and that now I have almost no principle reduction. Second I requested an amortization schedule and they have refused to provide it.
Consumer complaint received 2019-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed on my credit reports that there is a collection on it that does not belong to me as a result of fraud or identity theft. XXXX, XXXX account number : XXXX is the collection agency. They are reporting that I owe XXXX dollars. The credit reporting agency TransUnion is allowing the fraudulent information to be reported after I have contacted them and verified that I do not have or never had an account with XXXX, XXXX. It is illegal to report inaccurate information. The account is not mine.
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

I have a Wells Fargo Propel card with statements closing on the XXXX of each month. 
On XX/XX/XXXX I have noticed that my statement has closed and made required payment ( XXXX dollars with XXXX minimum due ). 
XX/XX/XXXX statement shows payment in transactions - yet still marks account with no payment received and assess XXXX late fee. 
On XX/XX/XXXX, I call CS to fix the issue and told that I have made payment " too soon '' -  even though it is clearly some sort of the system issue on WF side. 
No apology was offered and no assurance that my credit is not damaged - even though account was marked as 30 days delinquent - as my direct request to submit corrected info to credit bureau seems to be ignored.
Consumer complaint received 2019-01-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FC HoldCo LLC (WA)

I spoke with XXXX XXXX which at the time I was told they were putting notes in my file about contacting me. I have gotten numerous call in a single day over 4 each day and I also received a call on Sunday XX/XX/2019 at XXXX. Which I have read they are not allowed to call after XXXX. This company already has a class action against them for this very reason.
Consumer complaint received 2019-01-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit bureau is refusing to re-investigate and refusing to delete chapter XXXX from my credit report. THIS IS A BUSINESS BK AND SHOULD NOT BE ON MY PERSONAL CREDIT THIS IS A VIOLATION OF F.C.R.A. PLEASE DELETE IMMEDIATELY. I called FTC, DA 'S  OFFICE, AND DOJ AND ALL CONFIRMED THAT BUSINESS BK 'S SHOULD NOT BE ON PERSONAL CREDIT BUT THE BUREAU IS REFUSING TO CORRECT THIS AND REFUSING TO DELETE THIS ERRONEOUS PUBLIC RECORD FROM MY REPORT. PLEASE HELP! 

US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Identification number XXXX Claim amount Unknown Status Chapter XXXX bankruptcy discharged.
Consumer complaint received 2019-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

XXXX - checked my credit reported and noticed a debt that doesn't belong to me. 
XXXX - sent a debt validation letter to Collection Bureau of Ft. Walton Beach Inc regarding this debt that's reporting on my credit report XXXX - Collection Bureau of Ft Walton Beach Inc sent me a letter asking for medical release authorization. To my knowledge, a collection agency isn't supposed to have your medical records as well as I'm not obligated to provide medical release forms to the collection agency. 

Please help getting this debt removed from my credit report if the company can not provide me with viable information that this debt truly belongs to me.
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I was issued this loan on XX/XX/XXXX thru my school my last loan issue was XX/XX/XXXX. The loan amount totally around 20k, as of XX/XX/XXXX I still owe XXXX . 
I was attempted serveal time to talk to Navient but no one would give me a straight answer why am still paying almost the full balance 10 years later. On top of that they buy me on a graduate lap. Which I been paying {$220.00} that went to {$670.00} in XX/XX/XXXX. 
Again if am a public service employee why was I out on a forgiveness loan so I can be done with this loan this year XXXX no instead am still paying on a loan for more then 10 years