davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX   offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. XX/XX/XXXX I recontacted customer service to inform them that I was still in a financial burden with having to pay for insurance deductibles that was caused by the storm and not qualifying for FEMA assistance. At that time, they offered an extension of the forbearance from XX/XX/XXXX - XX/XX/XXXX, with the same benefits offered as before. When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX when these same charges were being improperly charged. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX XXXX in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and Equinox to no avail.
Consumer complaint received 2019-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (NJ)

XXXX/XXXX ruined my credit over a dispute. I had excellent credit until I moved and they charged me for early termination of the security system that never worked ( I had monthly conversations with XXXX in their technical support dept ). The {$1700.00} they sent to the collection agency I was told included the equipment, which was returned to their XXXX XXXX office. I have no problem paying for the cable service even though I moved, however, I refuse to pay for the additional charges they are asking for and I can not get them or the collection agency to look into the bill. I have asked for detailed statements and they refuse. I asked them to look into the complaints for this security system that never worked and they refused. They only say pay the bill or we will ruin your credit-WHICH THEY DID!! I paid the bill every single month for three years and when I moved out the new person, XXXX XXXX, ran up the bill for three months and I got stuck with that also. I notified them and they told me too bad you should have disconnected the service when you moved. I would like to get this corrected because I am trying to get a job but this is hurting me. I moved to a new state and can not get housing because of this.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

XX/XX/2019 Eqifax Mortgage Sol Unauthorized, do now know who this is. 


XX/XX/2019 Eqifax Mortgage Ser Unauthorized, do now know who this is.
Consumer complaint received 2019-01-22
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. (NJ)

TransUnion is reporting over 80 unauthorized hard inquiries to my credit report. Just TransUnion. Not XXXX  or XXXX. I have not authorized these inquiries and I have explained this to TransUnion. I want these inquiries removed because I have not authorized anyone to run my credit over 80 times. Other reporting agencies removed to as unauthorized but TransUnion has and will not. Please help me have these removed.
Consumer complaint received 2019-08-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I am a full-time student and I found out a student loan I had with Citizens Bank being handled by XXXX was listed as defaulted Citizens Bank and now is in my credit report blocking my other student aid options. All my other loans both federal and private were in deferment or forebearance except XXXX failed to list this one.  Citizens Bank has now referred to collections and I have not been provided the opportunity to make payments even though I am a full-time student. Citizens Banks says XXXX can pull loan back to them but XXXX says Citizen Bank has to initiate the process. Both deny what they need to do. 

I was told by Citizens Bank that I should have been offered a temporary forbearance which was not done but they refuse to do now.
Consumer complaint received 2019-07-09
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. (WA)

I have sent several copies of my current FTC Identity Theft Report to Transunion, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts.

They have cited none of the reasons for which FCRA 605B ( c )  would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. 

As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. 

The four days Transunion had under FCRA 605B to remove the fraudulent information has long since passed. If this not resolved quickly, I will be suing Transunion in federal court for willful noncompliance for all damages allowed under FCRA 616.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

On XX/XX/year> I noticed this company ( Credit Collection Service ) on my credit report. Having no success getting this matter resolved over the phone..I sent this company a Validation of Debt letter via certified mail on XX/XX/year>. The company has not replied to my letter and continues to report this disputed information to the credit bureaus. I made another attempt today XX/XX/year> to get this matter resolved and still no success. I spoke to a manager by the name of XXXX XXXX and she would not assist me with this matter. I have been harmed financially and this company is in violation of 15 US Code 1692g amongst other violations.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Equifax Mortgage Servi is reporting a few alleged Inquiries for date of service XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only  legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I filed a complain earlier ( XXXX ), however, Wells Fargo had not addressed my issues. There was no follow-up from CFPB either XXXX 

I received a letter from Wells Fargo, XXXX XXXX dated XX/XX/2022, I called XXXX  times and left messages for XXXX times. I did not receive her responses at all. Therefore, I file my complain again. 

In her letter, she claimed that the bonus code was not presented. However, she did not present any investigation evidence. It was a common sense for people to bring an incentive code to open an bonus account. It hard to believe that not to bring the code to open an account when I had a bonus code. I had a business account with XXXX Bank for years. I would not open an account without incentive. 

In addition, she said that " not able to locate that a bonus code was applied ''. It is not clear to me if the Code I brought over was created by Wells Fargo, or it is a fake one? 

Please refer to the Letter ( from XXXX ) and the Code attached
Consumer complaint received 2019-08-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Ray Skillman Chevrolet Inc (IN)

We purchased a vehicle from Ray Skillman XXXX on XX/XX/19. We signed the loan contract and our interest rate was set at 7.94. One week later the finance person called and stated there was a glitch at the bank and our interest rate was actually 9.64 and we needed to come sign new paperwork with the increased interest rates. This upped our payment to {$490.00} per month. I stressed repeatedly we could not afford a payment above {$350.00}. They told us that we had no choice and would have to sign the new contract. They backdated the new contract and had us sign.
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (WA)

They called me claiming to be collecting a debt, which is non-existent, to Wells Fargo. She threatened to file suit if I didn't pay $ XXXX right then. XXXX at XXXX was her name. She contacted my estranged sister, a previous employer, said they mailed me documents 45 days prior. Threatened criminal charges and liens against my car, repossession of my car, and garnishment of my wages. She was vicious and aggressive. Claimed to be with XXXX XXXX XXXX XXXX. XXXX XXXX was who XXXX XXXX is with. She gave me a case number. Her number is XXXX. It's a scam!!! No legal action is pending against me. Vulnerable people might fall for it. She said they had hired a detective to follow me. She knew my social, phone, address, birth date, email, employers, relatives.
Consumer complaint received 2019-08-03
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (VA)

This company called me 4-5 times every day for collection I Believe my insurance pied off I explained that to other company that hold this amount And I think the other company the sale of the Collection to this company and its very annoying.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

The complainant was shocked to hear that Wells Fargo bank alleged without proof that the complainant or XXXX XXXX with last four SSN XXXX claimed that his recent XXXX transactions were fraud made against one of his accounts at Wells Fargo bank with full account number is XXXX account ending in XXXX that impacted account ending in XXXX is now confirmed closed by Wells Fargo bank in retaliation and harassment against his person. 
In a Wells Fargo new allegation without proof it stated : The fraud claim filed for the account number ending in XXXX was for the following transactions : XX/XX/2019 XXXX Online Ads {$77.00} XX/XX/2019 XXXX Online Ads {$22.00} XX/XX/2019 XXXX Online Ads {$50.00} that was Wells Fargo bank own desired to be a claim to justify the retaliatory closure of my account ending in XXXX. 
Wells Fargo must contend to the following : closure of the above referenced account ending in XXXX was never due to XXXX XXXX claim that the above XXXX   transactions Were fraud. 

Or Wells Fargo must provide clear convincing evidences that a claim of fraud for the above XXXX transactions was made by XXXX XXXX. 

Someone is lying here. Where are Wells Fargo proofs of what it alleged? 


Pursuant to the freedom of information and/or the Privacy act comes XXXX XXXX to Request the entire investigative file that Wells Fargo bank has or stores in its database or used that lead to close XXXX XXXX account ending in XXXX. 


The XXXX transactions were about payment for advertising. When Wells Fargo invaded XXXX XXXX privacy and Learn that Wells Fargo bank retaliation against XXXX XXXX is Public now then : Wells Fargo decided to close XXXX XXXX account ending in XXXX in revenge and/or retaliation.this is proven fact. 

Wells Fargo is a criminal corporate or is run by some criminals. Wells Fargo by closing account ending in XXXX assumes full legal and/or criminal liabilities for anything negative that happened or to happen to the complainant. Wells Fargo bank assumes all the legal consequences for its continuous retaliatory adverse actions it committed against XXXX XXXX. 

This complaint is in defense and response to new alleged claims by Wells Fargo against the rights of XXXX XXXX. 



All stated herein is to the complainant current states belief, knowledge and understanding and it is all subject to any change or correction of any kind by him only at any time without any notice and without waiving his rights. 


Thank you, The complainant.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (PA)

I used my XXXX credit card ( held by US Bank ) in XX/XX/XXXX for an online purchase. I had no problem with the order - they accepted my credit card with my current billing address and I received my purchase at my current address which is the same as my billing address. 
I found out in XX/XX/XXXX after seeing my credit report that US Bank had been applying fees since XX/XX/XXXX which amounted to {$230.00} for not receiving a payment on the card for the XX/XX/XXXX purchase. I called the credit bureau right away and then US Bank to get this taken care of. I have been dealing with this issue since XX/XX/XXXX and have talked to US Bank at least a dozen times to get this corrected. They told me they had sent the credit card statements to my former ( 4 yrs previous ) address in XXXX. And said it was my fault that they did not send it to my correct updated address which they said I had not given them - BUT they had my correct address in XXXX when they processed the online order with my XXXX address. I asked them to send me the statements I had not received so I could see what had happened and waited a month, had to call them back and they admitted to sending those statements to the INCORRECT address AGAIN! 
I filed a dispute with the credit reporting agency ( XXXX ) twice and a dispute with the US Bank. Each time the bank refused to admit to their error in sending the invoices to the wrong address. Of course this all happened within US Bank ( that's who XXXX contacted and supposedly believed them even though I sent them paperwork to back up my issue ). I am now trying to get someone to see that it was not my fault that I didn't get the statements that I would have paid in full if I had. My credit history has been excellent for years ( as is shown by the credit limit on the card - {$23000.00}!! ) As soon as I saw my online order statement I wrote a check for the amount of the order. The bank is still saying I need to pay the late fees in order to settle this matter.
Consumer complaint received 2019-08-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NY)

I would like to dispute some inaccurate information entered on my credit report. On XX/XX/2019 my vehicle was repossessed with no fault on my end. I was never notified about the 2nd month late payment on my account. I would like to request for this notation on the repossession removed and excused from my credit history report. Thank you
Consumer complaint received 2023-06-07
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. (NY)

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX and XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I been contacting Equifax over the and by mail due that I cant get my credit score, in addition of my credit file. I want to see my credit report and credit score on my credit monitoring. They havent done anything regarding my file and i been dealing with this issue since XX/XX/2017. Im extremely disappointed in the matter how they been treating me for the last few years. I made a few complaints with the CFPB. Equifax is violating the law and differ made in my character