davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

On XX/XX/2021 I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX during visit I was advised that I need to do dental cleaning, I had dental insurance and I requested to check and confirm that the procedure will be covered by my dental insurance, XXXX XXXX XXXX representative checked and advised that insurance will cover, and my out of pocket expense will be {$150.00}, I paid the fee immediately with my credit card, signed an agreement, and schedule to perform the procedure on XX/XX/XXXX. 

On XX/XX/XXXX I came to do the procedure and was told that I need to do deep cleaning, I asked again if it will be covered by my dental insurance, and XXXX XXXX XXXX confirmed that it will, I performed the procedure. 

On XX/XX/XXXX I received a mail invoice to pay {$700.00}, I called XXXX XXXX and advised that the invoice is incorrect, that insurance should covered, XXXX XXXX XXXX checked, and advised that the procedure that they performed was not the one that is covered by insurance, I told them that I asked to check before they performed it if it will be covered, and they did confirm. 

If they would have told me that is not covered I would not have done the procedure.
Consumer complaint received 2023-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Autovest, L.L.C. (GA)

In accordance with the Fair Credit Reporting act Autovest LLC violated my rights. Account opened XX/XX/2020, {$21000.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (IL)

First Point Collection Resources entered information onto my credit report without sending a notification by mail giving me the option to verify the information and to dispute within 30 days. 
They are also calling me from a number that goes straight to voicemail, stating the hours in the recording, but when I call the number during business hours, the recording states that they are closed. 
The bogus number I have been receiving calls from is XXXX FIRSTPOINT COLL RESOURCES XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

The account is paid in full. I have a XXXX balance and the verification was emailed out to me on XX/XX/2023. However, it is still showing on my credit report for the full amount of {$200.00}, XXXX. Each time I dispute it with the credit companies I get a notice stating that XXXX is reporting that the amount they have is verified. Each time I call XXXX they tell me that they are not reporting that amount to the credit companies and there is nothing they can do to help me.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Someone at CFPB should do simple, basic research on what it takes to register for a free credit freeze at each of the three bureaus. Equifax is BY FAR the WORST. XXXX 's process is the best! Simple, easy to register for an account online and freeze or unfreeze your account. 

With Equifax, it is layer after layer of trying to sell their products, with no easy path to just register and set a freeze. Try it at both... you won't believe the difference. Seeing that they are required to provide a free freeze, they should also be required to provide an easy method of signing up for that, without all the sales pitches. 

I had lost my wallet in XXXX  ( ultimately found ) and set up a freeze with all three bureaus. I remember from then Equifax was a pain but I did get an account set up. After a recent bank hack, I tried to get back into my Equifax account and they wouldn't let me in, citing incorrect user name or password. I established this account in XX/XX/2023, saved all my credentials in a password program and changed nothing in 6 months, yet they won't let me in with out calling them ( probably to try and sell me some products! ). 

With XXXX and XXXX, I was able to login and place a freeze in under a minute. 

In my opinion, Equifax intentionally makes it difficult to deal with them in hopes of selling products. This should stop.
Consumer complaint received 2018-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo bank processed the same check in the amount of {$25.00} twice in two consecutive months, My account was debited twice. When I bought it to the bank staff they informed me that one time the check was processed via mobile banking and the  other time via a credit union.I inquired why the bank internal system didn't stop this action. The adjustment dept credited my account {$25.00}. However the resolution dept could not provide me with a sufficient explanation that they had a comprehensive system that would consistently prevent the same action from happening again. I informed the bank staff that I do not consider this matter resolved.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (MO)

The Navy Federal Credit Union account was overdraft for XXXX. I was trying to link another bank to pay the balance/overdraft. XXXX XXXX  sent XXXX micro deposit for XXXX and XXXX with description as account verification. Navy Federal didnt verify the account but keep the two micro deposits. I have to pay {$55.00} the other way to cover it and some {$6.00} left over so the other bank can verify and have some leftover. When XXXX XXXX trying to take the micro deposit back. I was charge for another {$29.00} Non sufficient fund made the account back to overdraft {$23.00}. I asked Navy Federal to return the micro deposit to XXXX XXXX  and waived the {$29.00}. They refuse to do it. So I paid XXXX and instructed to return the XXXX to XXXX XXXX  and close the account as it cause more money and trouble when I am trying to pay a balance. But Navy Federal refuse to give the XXXX cents back to XXXX and transferred it to Navy Federal savings account that I told them to close. They just didnt do what I requested.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On or about XX/XX/XXXX i had a breach of security on my computer causing a theft of my drivers license as well as my social security. In addition to the the computer breach of security and also lost my drivers license and social security card. My Personal identifying information had been stolen online and physically and the id theft thieves had subsequently opened credit card accounts fraudulently, The following banks that had issued fraud credit card accounts as well XXXX, XXXX and transunion have been reporting the fraudulent accounts on my credit reports causing an extreme hardship. I am a military veteran for over XXXX year and dont deserve this kind of treatment. The following banks and accounts are as follows : XXXX XXXX date opened XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date OPened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened XXXX account Number XXXX XXXX XXXX Account Number XXXX Opened XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date oepned XXXX XXXX  XXXX XXXX XXXX XXXX date oepened XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I must say i am a die hard american XXXX veteran and i am beside myself that these criminals and the credit issuers allowed this. I amk protecting them and what do they do, Rob me.
Consumer complaint received 2018-08-11
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. (CA)

On XX/XX/2018 I submitted to Equifax credit reporting agency an Affidavit of identity theft, a police report and a summary of events detailing how for the past 5 years I have been a victim of identity theft. 

I requested that Equifax investigate fraudulent loans, and bank accounts on my report and demanded that I receive proof/documentation that I personally opened they accounts and loans within 30 day of the letter. I have also requested for the creditors to investigate a provide results back to me and Equifax As of today XX/XX/18 I have not received any documentation from Equifax or the creditor to prove that I am responsible for the accounts, nor has Equifax stop reporting these accounts. 

The reporting of this fraudulent information has been a negative impact on my life and has hindered my ability to obtain credit, get insurance and open a bank account and I have been suffering a hardship ever since.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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. (IA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2017-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (PA)

Early XXXX I got behind on my mortgage. I spoke with a representative about the account and was offered a payment reset. In XXXX I had difficulty making the payment on-line, which would be done at no additional charge. During the same time the company was transitioning from NationStar to XXXX XXXX. I made several phone calls attempting to make the XXXX payment. Each time I was told that if I made the payment over the phone it would cost me an additional {$20.00}. I finally got a representative that would waive the fee. I 've experienced this same issue each month since XXXX. Every time I log on to the website get a message that says " Your account is not illegible for payments. '' I spend an hour to and hour and a half trying to make my payments every month. The dedicated loan XXXX XXXX XXXX is never available to take my call. I choose the phone option to speak to a representative which loops me over and over again to XXXX 's voice mail. I eventually get a hold of a representative that is willing to help. 

In between payments I have received numerous courtesy calls from XXXX XXXX. On each call I reviewed previous payments made as well as made inquires about the status of my payment reset. Each time I was advised that a decision had not been made on the payment reset. In XXXX I was advised that Fannie Mae had a backlog which was delaying the decision on my reset. Well in XXXX after having difficulty making my payment I spoke to XXXX representatives about the payment reset. The last woman that I spoke to advised me that my account was not illegible for the payment reset because I missed the XXXX payment. This was the first time that I had heard this in the XXXX plus calls that I have had with this company. The XXXX payment was missed because I could n't make it on line. 

As of today I am still unable to make my payment on line. When I attempt to make the payment over the phone tomorrow I will get the same run around that I have been getting. 

I also do n't understand the activity that occurred on my account in XXXX. 

XXXX - Unapplied Payment = {$460.00} XXXX Monthly Payment = {$460.00} XXXX Monthly Payment= {$460.00} XXXX Payment Reversal= ( {$460.00} ) XXXX Payment= {$460.00} Why so much activity in XXXX? I 'm pretty sure the XXXX payment was made on XXXX XXXX because I was unable to make the payment on line, but I do n't understand why it was n't applied. Then I made another payment that same month, but I do n't understand the payment reversal.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am sending you this letter because after a careful review of my updated report, I have found that your company is reporting inaccurate and incomplete information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Timely payments have consistently been upheld on this account, ensuring they never lapse into overdue status. The rationale behind reports of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-04-05
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. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-05
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. (CA)

I did not authorize these XXXX  and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.