davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gurstel Law Firm, P.C. (AZ)

I have requested a copy of the contract with my ink signature to prove that the debt Gurstel is trying to collect on is in fact my debt since I have been and currently am in an active XXXX XXXX bankruptcy. I have provided Gurstel with this request via certified mail. In turn Gurstel continues to send correspondence to my previous address in hopes that I will not get it in time and they can get away with not sending the proper paperwork. I will be attending the court date and bringing my own legal representation. The amount of the debt is not the issue here, it is the fact that they have not followed procedure to reach out to my trustee to confirm my bankruptcy and they are violating my FCPA rights. I will not call this creditor as they keep insisting, everything will be done via certified mail so that I have the evidence to provide on our court date.
Consumer complaint received 2023-03-28
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. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

In accordance to the Fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681 XXXXXXXX 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 XXXXXXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy.

16. U.S.C.1681 SECTION 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681 ( c ) ( 2 ) ( 5 ) Section states :. No consumer reporting agency may make any consumer reports containing any of the following items of info, any other adverse item of info other than the records of convictions a crimes which dates report by more than 7 years.

15 U.S.C. 1Y81-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the info is inaccurate.
Consumer complaint received 2023-03-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

On my credit report is an old debt from XXXX  from a repo that I didnt know of because of a divorce. Its to old to be on my report now and I was never notified or granted to try to get the car back to
Consumer complaint received 2023-03-12
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. (TX)

I am respectfully taking this measure due to XXXX XXXX XXXX XXXX not taking a closer look into my dispute filed with them on multiple avenues via : ( them the creditor, XXXX XXXX XXXX, and all 3 credit bureaus ). I was wrongfully accused of a charge off and late payments on my account and they have negatively impacted my reputation and ability to pursue a deserved job opportunity. 

XXXX / XXXX XXXX : Partial loan payments made, not ignored.

Covid-19 delayed work license upgrade classes pushing my back to work date by over 6 months. Spoke to XXXX XXXX XXXX XXXX and they understood my situation and told me directly on the phone and in letter attached they could work with me on payments. Was told on phone a good will deletion of late payments can occur because my circumstances were Covid-19 related. Was told on phone no charge off or missed payment stains would impact my credit report, because this was Covid-19 related and I was making as much payment as I could ( {$500.00} payment, {$50.00}, {$300.00} even {$2000.00} to catch up the dates are truthful examples attached in files ). 

XX/XX/XXXX Maturity Date Email sent to XXXX stating student loan account ending in XXXX is maturing soon and is to be paid off by XX/XX/XXXX. No mention of charge off or late payment consequences. 

My budget was now set to pay loan off early by XX/XX/XXXX. 

On XX/XX/XXXX I showed up to local XXXX XXXX XXXX XXXX branch near XXXX, TX and paid the loan off a whole week early in full in cash of {$5000.00} Credit reports are now reflecting charge off and late payments on this particular account. The account was undeniably paid in full on time ( early ) and never charged off for the creditors IRS tax write off and into another collection agency. 

Under my signed and disclosing loan agreement I have the legal right to exercise and mitigate any negative times in relation to the loan which does include inaccurate defaulting/ charging off of the account.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (LA)

On XX/XX/year>, I went to check into my two hotel rooms and found out after I got there that they did not have a generator. This was during the recent Storm, XXXX XXXX. I was sitting in the dark for the last day and night of my stay. They refused to give me any money back due to their neglect. I called my bank to stop payment on this transaction because I was falsely charged. The bank didnt even try to help me. They lied to me like I was going to get my money back, but I have not received anything and they refuse to add my deposits they took off my card for those rooms. It has been a complete nightmare. Im a XXXX Veteran who has been unable to get any help from this institution. I can not believe the practices of Navy Federal Credit Union. If that had been anyone else they would have given them their money back and more. Just because I am an elderly XXXX Veteran they disregard a lot. I need help, please help me. That hotel knew before I got there they didnt have a generator. They should have never taken my reservations. Its a complete fraudulent act on their part.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (SC)

I did not receive any notice from Paramount Recovery. I recently learned of the account via my credit report. Additionally, they are reporting this account twice. Even more distressing paramount recovery does not specify when they received the account, However, they do mention the account was opened on XX/XX/2022. Which could mean this is when the alleged account would have been opened with the originator. The company also states that the account was past due as of XX/XX/XXXX and only has 30 days of activity meaning there is no way they waited 30 days for a response from the consumer. Past due means late, written off or charged off means collections. They have no right to report this derogatory info on my file.
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I tried to pay off the highest interest loans with direct payments, but they were reversed and applied to lower interest loans in different amounts. I asked to have the account audited, but it has been 1 month with no action, response, or communication. The loan valid has not changed in 3 years despite paying 20 % of the total loan value.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

American express Serve has recieved a refund on XX/XX/XXXX Form a returned item i purchased. They immidietly placed a hold on the funds " for review '' i habe made several.attempts to try and find out why my fund are XXXX XXXX and what exactly what is being reviewed but their customer service agents keep lying saying the amount in my Transaction history with a + sign in green and a Transaction ID is not actually a transacaction but a notification Form the merchant giving them a heads up that a refund is coming their way. Ive reasoned with them but none of them want to damit that my crdit has XXXX recieved therefore i can not have my issues addressed. Ive wasred hours and im fed up because theyve Been getting paid to waste my time while i cant even usw my money to buy food for me and my sibling which is why i returned thebitem. Why are my funds still in hold and in what type oft account are they Held in, is interest accrued while in this account before XXXX released back to me? All we had left was rice and it is now gone. Your Speers response is appreciated.
Consumer complaint received 2019-10-21
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. (NC)

Recently, I disputed a trade line that is being reported on my credit reports by XXXX XXXX. I disputed this trade line because I disagree with the amount claimed to be owed. Nevertheless, the results of the dispute came back as 'verified and accurate/meets FCRA requirements '. Thus, in XXXX of XXXX, I wrote a letter directly to XXXX XXXX requesting a copy of the original contract ( signed ) or accounting records used to VALIDATE the amount claimed to be owed. However, instead of sending me any of the requested documents, on XX/XX/XXXX, I was sent a one page summary that listed my name, address, and the amount claimed to be owed. Moreover, I wrote a follow up letter to XXXX, in XXXX of XXXX, which was received on XX/XX/XXXX. I am aware they have at least 30 days to respond, however, I called XXXX on XX/XX/XXXX and I was told by a customer service rep that were no records on file to validate this alleged debt. Given these facts, I am demanding that this trade line is permanently deleted from my profile.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I received a text from Capital One that I tried to make a purchase from my debit card at XXXX, but I was never making any transaction from there. I had to check my Capital One account, and I found that money was taken away from my Checking account without my knowledge and consent. I found that there were two purchases that were made on my account, but I never purchased anything. The transactions occurred on XX/XX/XXXX with the first purchase was done at XXXX am that took {$8.00} away and the second transaction that occurred at XXXX am took away {$400.00} from my account. I called Capital One to discuss this issue and I told the company that I never made those purchases, but I would have to wait XXXX hours from the day those purchases were made to call the Dispute Department and report the problem, and I'm not sure if they refer to actual days or business days. For now, Capital One has restricted access to my debit card to prevent anymore unauthorized purchases and I should get a new replacement debit card in the mail by next Monday.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I used the wells fargo online checking bill pay service to pay my property tax. The check for {$6400.00} was supposed to be sent out on XX/XX/ and delivered by XX/XX/ to the XXXX XXXX XXXX XXXX XXXX XXXX  in order to pay for my property tax. The money was withdrawn from my account on XXXX XXXX XXXX however the XXXX XXXX XXXX told me they did not receive the check in time. While this service has worked to pay this bill in the past, this time the payment did not arrive by the promised date. I was charged a {$650.00} late fee. 

Wells fargo documentation states that wells fargo promises to pay for late fees which occur due to them not getting payments delivered on time. I also had support people on the phone reiterate their policy is to pay late fees when their system does not deliver checks to payees by the promised date. 

When I call the wells fargo bill pay specialists to inquire about this case and about them paying this fee for me I get the run around and I get ignored. A wells fargo bill pay specialist ended up telling me they won't pay this fee on my behalf. I was promised a higher level manager would call me back in 24 hours but no one ever reached out to me. 

I want Wells Fargo to hold up their word and pay the late fee I incurred due to their system not getting the check to the XXXX XXXX by the time promised.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (WA)

I got a money order in the amount of {$110.00} for an amount that was stated on my credit report that I owed to this collection agency for an old XXXX XXXX bill. When I called the collection agency to follow up in making sure the payment was received so that the collection amount would show paid on my credit reports I was told that the amount I sent in was deficient by XXXX, therefore it would not be removed until the XXXX was sent in. This was infuriating as I checked my credit report prior to getting the money order and was never notified that the amount owed had increased by XXXX by the collection agency. 
I mailed in the XXXX, however I felt verbally harassed by the collection agency employee taunting me about this XXXX as Im trying to remove this negative information from my credit report so that I can obtain housing. I dont know when or how the total went from {$110.00} to {$110.00}, or what kind of interest is being accrued for the amount to change by XXXX but it felt like harassment. The amount shown had been {$110.00} on the day I mailed the order and that should have been taken into account. As that amount had been on the account all month.
Consumer complaint received 2024-10-23
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: Experian Information Solutions Inc. (CA)

This is from a previous complaint, XXXX. 

They responded and stated " We completed our review, and the details of our response are below. We sold your account ending in XXXX on XX/XX/year>. '' If that's the case, which they admitted it is, they are not supposed to continue to report on this debt to the credit agencies. The sold the debt. That means it no longer belongs to them and the new Owner can report it, but they can not. 

Thank you.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NV)

I use Wells Fargo for merchant services ( credit card processing ) I own a small business that was recently scammed by a customer  using stolen credit cards. 
I reported this to wells fargo. They sent me letters showing chargebacks from the victims and removed all funds available in our business accounts and my personal checking account. 
Next they froze our merchant account that receives our credit card charges. They refuse to unfreeze the account but still allow us to run credit card charges to it. Thus our customers are paying their bills each day to a frozen wells fargo account. They have now withheld more than the total amount of the suspected fraud charges. 
I have been told that only the security department at wells fargo can unfreeze the account but when myself or other wells fargo customer service agents call that department, the call goes to voice mail and the mail box is full. 
My company is going to run out of cash to pay employees and bills. We are going to close. But the only department that can apparently help unfreeze my account is unreachable. 
Also, establishing a new credit card processing relationship can take up to a week and does not leave us time to pay the employees or vendors. 

Please help save our jobs thanks XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.
Consumer complaint received 2019-10-21
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: AMERICAN EXPRESS COMPANY (CA)

I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  AMERICAN EXPRESS 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.
Consumer complaint received 2023-03-12
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. (NY)

To whom it may concern, I am writing to challenge the accuracy of information found in my credit reports and to demand proof of any negative claims made against me. As a responsible consumer, I have every right to ensure that the information on my credit report is accurate and reliable. 

I understand that the FCRA allows me to challenge any inaccuracies in a manner compliant with federal law. When these inaccuracies are negatively affecting me financially due to their accuracy or completeness, I have the right to challenge them. It is my belief that the claims within my report are wrong, and there is no proof that I am delinquent or derogatory. Therefore, I demand that you provide me with physical proof of what has been done and an updated credit report. 

I urge you to follow proper procedures if these claims are in your system and to be used in my credit reports. You must comply with federal law ( FCRA ) and XXXX XXXX standards to ensure that all claims are accurate and reported in the correct format. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me with records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. 

I have reviewed my credit report in all 3 bureaus ( XXXX, XXXX, and Equifax ), and even after the investigation, I see that not all information has been reported 100 % accurately, especially the late payments on my payment history. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. 

In summary, I am challenging the accuracy of the following accounts listed in my credit report : DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/AIDVANTAGE : XXXX DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX I am giving you 30 days to investigate and provide me with accurate documentation and an updated credit report. Either confirm that this matter has been reported correctly, or remove it from the report immediately. It is time for me to get my life back and restore my good name. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX