davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

I recently sent a payment of XXXX to Mohela certified mail : XXXX, XXXX, XXXX, and XXXX. 

Since Mohela is not processing my payments, this account must be in a billing error with no contact or collect status. 

I also tried to contact Mohela using emails and phone calls. In which neither of the two ways were replied to nor answered. 

The following certified mail receipts prove that my payment was received and not processed : CERTIFIED MAIL # : XXXX, XXXX, XXXX, and XXXX Please process this payment immediately and do not call, or collect my account until this issue gets solved. 

If I get another notification of collection or a call, I will create another complaint a collect {$1000.00} per violation.
Consumer complaint received 2023-04-26
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Dear Equifax, I Need You To Remove These Accounts Asap, I Have Sent Multiple Letter By Mail. I Called And You Said You Haven't Received Them. You Need To Remove These Accounts ASAP.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported in terms of reporting, amounts, and dates.
Consumer complaint received 2023-04-26
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)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
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. (NY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

All right on XX/XX/2024 my account was closed without my consent, without notice, and no explanation. I had called Wells Fargo customer service. They were not helpful. They forwarded me to another department that was supposedly the highest Department in the company in hopes that they could give me some kind of explanation as to why they were closing my account and when I was to receive my money. I spent an hour on the phone and did not get any kind of Reason explanation or help. All I wanted was my money and they could not provide me with any reason as to why they would not give it to me. The customer service representative also hung up the phone on me when she was getting frustrated with me because I kept asking her how do I access my money and was met with silence.
Consumer complaint received 2023-04-26
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX OF XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AR Resources, Inc. (MI)

I injured my foot and received medical care on XX/XX/2021 at the XXXXXXXX XXXX  XXXX XXXX XXXX. My insurance was provided at time of service, but not billed properly, so I received a bill a couple months later. I called the billing department and again provided my insurance information. They confirmed it was not billed properly, and assured me it was all taken care of. I assumed it was handled until pulling my credit for the first time yesterday and seeing 2 separate bills from the medical facility had been sold to a collection company. I was XXXX XXXX XXXX at the time, and fully insured under my father 's insurance ( as I am now ), and emergency services are covered under our policy. I am applying for a job and this is causing me problems for a bill that was handled incorrectly from the start.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/16 I received a call from the Wells Fargo fraud department a lady stated that there was suspicious activity in my account for a {XXXX XXXX  transaction and XXXX for XXXX. She asked if this was me and I said no. She then said ok that she can turn off my card and she will need to send me a new one. She said she needed my access code to do this. I was unaware of my access code so I guess and said my pin and then i said maybe its my last 4 of social security number. She then said my address number so she can send me a new card. She stated XXXX of my previous addresses and I told her it changed and she said in order to update it I had to tell her the verification number through text. She did it XXXX times and I told it to her. She said I would get my new XXXX in XXXX  day. A few minutes later after the phone call I got a text from Wells Fargo to verify account activity and I quickly checked my online banking app and saw XXXX  transactions that were not me. One of {XXXX} that was declined another one of XXXX  and another of XXXX. I turned off my card in the app and quickly called Wells Fargo and told them that was not me doing those transactions. I said that a lady had previously called me stating there was fraud and that she had already turned off my account. The Wells Fargo man on the phone said that my card was turned off and that the transaction probably happened before it was turned off. But I said it was not authorized nor done by me. He said he would send me a new card in XXXX business days and I was asking him why the lady said I would get it in 1 day. I finished the phone call with the Wells Fargo XXXX  and he submitted a claim. I then went to check my email and saw that my withdrawal limit was increased to {XXXX and that was not me authorizing that either. I then realized that the first phone call I received claiming it was Wells Fargo was really not and that I got scammed by them because I gave them my XXXX number thinking that was my XXXX code and because I gave them the XXXX verification numbers that they sent. I quickly called Wells Fargo back stating that I believe the first phone call I got was how I got scammed and the man said that a claim was already opened and that I had to wait XXXX days to hear back. I never heard back from anyone and when I called wells Fargo the claim was already closed and they said it was denied because I authorized it. I never authorized it and it was a scam I was telling them but they said that according to their investigation i cant get my money. No one was able to help me or fix this for me. They all said nothing can be done because their investigation shows no fraud. Someone was claiming to be me at the atm and it was not me. They had my XXXX  number and verification code and they took money from me that was not authorized. I want to see the atm video footage because this was not me and it was not authorized.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (DC)

Money was taken from the account in the form of the check on a saving account fraudulently but no one stopped it. The check was cashed on XX/XX/XXXX when we realized that we disputed all the fraud activity but the only approved some of the transactions. One of the transaction they declined was done the same time frame but the check was for {$8000.00} and {$470.00} check cashed on XX/XX/XXXX. They declined both checks. This money a hard earned money and just to loos it that easily not bearable. The total loss was {$8400.00} We need Walls Fargo to get us our money and need explanation. Why they would allow a check to be cashed on a saving account
Consumer complaint received 2023-04-26
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX 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 XXXXV XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc (GA)

I borrowed {$360.00} from Sunset finance in XXXX Georgia for a personal loan where I put up some personal items as collateral and have found myself XXXX and unable to pay back. The rest of the loan have paid them like {$200.00} so far and somehow I still owe them close to {$600.00} and they have been harassing me nonstop calling like every day About this loan and I have spoke with them and they know I am XXXX and can not pay this back right now. It seems like all they wan na do is harass me. This is been going on for months they called people on my personal references to have them, call me and tell me that they were going to come out with the sheriff to repossess the personal property that were collateral for the loan, and I told them that they can go ahead and do that because I have no way of paying back that loan. They have yet to do it they had me come in once to refinance the loan they have threatened me many times to take legal action, always saying they are about to sue me when they have yet to do so, and it has become harassment at this point. They even called me today, asking me to sell personal property that is not collateral to the loan in order to pay the loan. At this point, I dont care what they do. I have no way of paying this but the calling from different phone numbers all the time needs to stop. But they are always like now asking me to come into their office so they can try to bully me and harass me.
Consumer complaint received 2023-04-26
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. (MS)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX
Consumer complaint received 2017-12-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: First Data Corporation (TX)

Third party XXXX XXXX involved in XXXX XXXX. 

XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. 

Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. 

XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. 

Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. 

XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.
Consumer complaint received 2024-08-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

I purchased five Visa gift cards a week ago, each loaded with {$500.00}. When I tried to use them, they didn't work. They all decline any attempted transaction. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their Visa gift cards. At times several cards will decline, and will not work even with future attempted purchases.