davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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: United Revenue Corporation (TX)

United Revenue failed to correctly follow practices of the FDCPA. Not only have they been advised that my information was involved in an XXXX data breach, they failed to provide any debt validation ; signature binding me to an agreement with United Rev ; license to collect debt in the state of Texas ; and the requested forward flow agreement. To my knowledge, this is illegal and clear gross misconduct in which I am able to sue. Furthermore, this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days, and you must delete the items from my credit file immediately.

UNITED REVENUE ( Original Creditor : XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 at XXXX XXXX XXXX XXXX, I received a call from somebody impersonating a police officer. This person threatened arrest and violence against me unless I " paid collateral. '' He told me to stay on the line via a three-way call ( claiming if I hung up a SWAT team would come for me at my work address ) and speak to my bank ( Wells Fargo ) . He was able to use my debit card number to withdraw {$2500.00} from my checking account and transfer it via XXXX  to somebody impersonating the U.S. Department of Treasury. After calling the actual police department and learning it was a scam, I called Wells Fargo three times instructing them to please cancel the transaction. Their claims agent ( XXXX ) refused to cancel the pending transaction or refund any of the money I lost. She adopted an extremely disrespectful tone with me and said I " deserved to be scammed. '' Wells Fargo refused to cancel the pending transaction three times over even though I told them repeatedly the transaction was not authorized.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (NY)

XX/XX/ a purchase of a XXXX product was made and funded via AFFRIM ( loan XXXX XXXX ) The product caused over XXXX in damages to my wood floor. I reached out to XXXX explained and was instructed all they could do was refund AFFIRM and take back the machine but if the damages needed repair, they advised to reach out to the manufacturer, I did and they took the machine back. I made XXXX and AFFIRM aware starting in XXXX. Providing emails and proof from the manufacturer I was no longer in possession of an item I was still paying on. I was ping-ponged back and forth. Affirm said they needed XXXX to tell them it was returned, XXXX stated they did but because it wasn't back to them they can't. I went on like this for months all while having autopay on for an item I didn't have, finally, XXXX I was fed up and demanded it is rectified via arbitration on both ends, I shouldn't pay for an item I no longer had, I then heard back from XXXX who after searching found all the proof sent months back and communicated with AFFIRM who then on XX/XX/ confirmed they were fixing this and considering it paid in full and provided me the email stating it was satisfied in full and indicated they were sending a check for {$25.00} as I overpaid. On XXXX apparently, an email was sent that I didn't see stating they were putting me into collections for {$25.00}. I provided the collection company the proof and again back at it emailing AFFIRM asking why this was done and IF I owed money why would they send me a check and state in the email I overpaid. Now it shows as collections of 60day on my credit, it ruined my chance at a loan I needed, Im being harrased by debt collectors for this a and suffered a hit to my credit and was denied a loan that I needed for a repair. This should be illegal, how come they are only made to " correct '' the report but the damage to me is far worse and lasting especially now the underwriting dept has it as I was under a collection.. I am demanding retribution and am looking into legal guidance and to what can be done. ALSO, YOU WILL FIND IN SCREENSHOTS THERE ARE MISSING CONVERSATIONS FROM AFFIRM THAT I SAVED BUT IN THE PORTAL THEY ARE NO LONGER THERE. XXXX WAS THE LAST PERSON I SPOKE TO WHO HAD HANDLED THE REFUND. NOW HIS CONVERSATION IS NOT FOUND so that is another aspect of fraud I request being looked into I appreciate all who help, thank you
Consumer complaint received 2024-01-11
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. (FL)

I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency. 

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no. 

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law. 

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within XXXX business days : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX CHILD SUPPORT ENFORCEMENT - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS- Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry date XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report. 

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported. 

I expect you to address this matter promptly and resolve the dispute within XXXX business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.
Consumer complaint received 2017-04-05
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TSG Collections, LLC (CA)

I have been sent to collections over a 4 year old anesthesiologist 's invoice ( Today is the 4-year anniversary of my XXXX ) that I knew nothing about until I received 1 invoice last XXXX XXXX. I promptly called them but never received a call back or received any more communication ( notes attached ) ; now I just received a collection notice on XXXX/XXXX/XXXX almost 4 years to the day! The original invoice was for anesthesia during my 41 MINUTE colonoscopy. my insurance paid {$2100.00} + {$150.00} for XXXX. My son 's anesthesiologist bill for his 4 HOUR XXXX was less than this. This ca n't be legal to bill ONCE so LATE, not return calls, then collections. ( and overcharging to say the least ). I finally got them to answer the other day after 5 calls and they said it was out of their control. I called the XXXX XXXX XXXX where the procedure was done, and they said they have many other people who have called them and told them that XXXX/Dr. XXXX did the same to them! This can not be legal and it is not the correct way to communicate with customers or do business! ( XXXX/Dr XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Acct # XXXX, ( XXXX ) XXXX. Date of Service XXXX/XXXX/XXXX. TSG Collections XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX.
Consumer complaint received 2023-08-07
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: WELLS FARGO & COMPANY (MN)

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, WELLS FARGO FINANCIA XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Consumer complaint received 2024-01-11
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (NJ)

XXXX XXXX XXXX  my WISELY card was stolen. Same day I called WISELY and reported stolen card as well as multiple unauthorizes activity on the card in the amount of {$4700.00}. See attached file for list of transactions, dates and amounts. 
I was supposed to receive Statement of Fraud paperwork from WISELY to complete my dispute. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I called WISELY to inform them that no paperwork was delivered to me. I confirmed my mailing address and requested the paperwork to be emailed to me during each phone call. No email was sent to me. 
Statement of Fraud paperwork arrived by USPS on XX/XX/XXXX. I completed it and as per WISELY instructions emailed it to XXXX the same day. 
On XX/XX/XXXX I received a letter from WISELY dated XX/XX/XXXX stating that my dispute was closed and no money will be returned to me. They closed the dispute before I received their paperwork even-though they knew that as of XX/XX/XXXX I still did not receive their paperwork via USPS or email. 
On XX/XX/XXXX I called WISELY and asked the dispute to be reopened. I was instructed by XXXX to send a certified letter to ADP-Compliance Solutions C/O WISELY - XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX I sent the letter on XX/XX/XXXX and WISELY received it on XX/XX/XXXX. ( Tracking confirmation attached ) Since nothing happened I called WISELY on XX/XX/XXXX and spoke with XXXX who said that WISELY never received my certified letter ( I had a tracking report proving they received the letter ). He told me to write another letter which I did and sent it to WISELY as certified mail on XX/XX/XXXX. Attached is a confirmation that WISELY received my second certified letter on XX/XX/XXXX. As of today, XX/XX/XXXX, I still did not hear from WISELY and did not receive the funds that were stolen from my WISELY card. 
WISELY advertises on their website, app and in print that " Your account '', " balance '', and " funds are ( FDIC ) protected from fraud if card is lost or stolen. You must notify us immediately and assist us in our investigation. '' I followed all the steps- notified them and assisted them.
Consumer complaint received 2023-11-18
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I have been disputing this one account with Experian for 2 years now. They have yet to take this inaccurate reporting account off my profile. I disputed this account first in XXXX of XXXX. They did not send over validation that it was mine. The account is XXXX XXXX XXXX. Account number is XXXX. They have not updated this information with experian since XX/XX/XXXX! Its now XXXX. Thats a violation!
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: American First Finance, Inc. (IL)

MAERICAN FINANCE is saying I owe there company {$3700.00} for a credit line. Ive never applied or had a line of credit with them. I informed them im a victim of identity theft. They sent back a letter stating that they verified my identity. I then sent in more documentation explains that they should have this removed from my credit and that I was not the owner of the line of credit. They are refusing to remove this item from my credit report. They have no prove I opened up this account. They have yet to show me the proof of me opening said credit line with them. I would like this account removed from my credit profile.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (MO)

Called my father from an unknown number claiming that I had a legal matter pending and gave them a case #. Told my father if I did not contact them within the next 10 minutes he would be served with paperwork for me and my wages could be garnished. Gave them a number of XXXX to call back. I called them back was asked for the court case number and then transferred to a XXXX XXXX who tried verifying my social security number but it was wrong, then gave me the right one. Then proceeded to tell me my birthdate. I asked what this was about and why they were threatening me said that it was a process server who contacted my father and not him that he doesn't have the availability to do that. Tried to say XXXX XXXX  XXXX XXXX was stating I had a deposit by XXXX that needed to be paid and it was charged off in XX/XX/XXXX. In which I told him I did not have a XXXX account at that time and that debt is not valid. He said I would just need to go to court and where could he send the process server because if not I will be served at work. He then hung up. I called back asked for the company name which they advised AMSHER. I have not had a XXXX account since XXXX  not sure what they are speaking of and using tactics to scare my father that they are the government and will serve him is ridiculous.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Premier Student Loan Center (MA)

Premier Student Loan Center contacted me about consolidating and loan forgiveness. They said they were authorized by the Dept of Education to work with me on getting my loans forgiven. I trusted these people and they have all my information which Im afraid they will use to steal my identity and drive me further into debt. Please stop these people from preying on hard working Americans! This is evil and criminal. The number for the company is ( XXXX ) XXXX. The rep is named XXXX and the company is located in XXXX, CA. Please help me!
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (KY)

Offending institution : US Bank There are two separate instances where I was charged a monthly fee where I do not believe I was fairly charged. 

Incident 1 : On XXXX XXXX, XXXX, I was charged {$10.00} for my account. I had, for the four years prior, always met the requirements to have the monthly fee waived. Without notice or warning, the conditions to have the monthly fee waived were changed for the XXXX XXXX XXXX. I changed nothing in terms of amounts deposited or average activity from the months prior. I discussed at the branch nearest me, and they recommended I open a credit card to have the fee waived. I declined to do so and requested my account be downgraded to the XXXX XXXX XXXX. Per the bank 's website, monthly direct deposits of {$1000.00} or more will result in the fee being waived. 

I have XXXX monthly direct deposits in excess of {$1000.00} each month, so I assumed my change would make the problem go away. 

Incident 2 : On XXXX XXXX, XXXX, I was again charged for my account. This charge was the {$6.00} charge for the XXXX XXXX XXXX. I discussed the fee at the same branch where I made the account change today ( XXXX/XXXX/XXXX ). They do not know why I was charged the fee. When asked to refund the fee, they said that they could not.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Around summer of XXXX there was a fraud alert on our capital one joint checming account. Previous to this there was tins of frauf wbich we kelt reporting and theybwould tske it off but then put it right back on. After a while we figured oit we were talking to criminals who were rerouting my calls ( have evidence of phine rerouting ) i dont think we likely ever talked to an actial clerk after XXXX. Capital one employees in person saif they had no power and all fraud cases had to be done by internet kr pbone we ecplaoned we were hacked and we could not possibly co taact the corrext peole. They shrugged. I XXXX i went thwre for a withdrawal afer we had gotten what would be our last tax return beflre all irs money started to be stolen. We were told there was a feaud alert and i could kot take out angbcash until it was taken care of. At tge time i had no phone becaise they constsny hacked my pbones and would steal my accounts I went inand used their phone and the giy asked to sleak to the clerk. XXXX clerk tols me that capital one no longer wanted to dk business with us and we should take out our money- sk we did. Many follow up calld later they would never gell us wby falling back on 'we dont have to " Mh wife and I had several accoj ts that were rampamt wotj fraud and after they were stolen my unemployment, irs refunds XXXX covid miney, and cbjld income tax were never receiced. On fCg zomeone reporrted we owed extra unteported income for XXXX was false so irs thinks we owe. I am hackwd every time i trg to do an id.me account. IRS agents do mot speak wirj me and sometimes hang up on me. I question this is even real as we get conflicting info online when my wife logs in.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

It is impossible to get in contact with anyone to figure out why my income based repayment is over XXXX dollars. 

I resubmitted my application with tax/income info and the company emailed me stated they did not receive my info even though I uploaded right to Nelnet.

Customer service is not possible to talk to.

They dont answer emails.

My payment is all over the place and I was not notified of such a high payment when I barely worked last year.

Also when my repayment begins is changed every time I reload the page.

I need help getting this straight.
Consumer complaint received 2023-04-25
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. (IL)

I've already had problems with XXXX and Equifax updating my name on my report after reporting me as my father for years. Now that they've recently done so they're giving me problems about removing inquiries that aren't mine or attached to any reporting tradeline of mine. I initially tried to have them removed which led to the discovery of them inaccurately reporting so I had to go back and forth about that in order to start the inquiry disputes. Now that I've done what I'm supposed to do on my end they're telling me to contact the original creditors ( which I've done ) and they're giving me backlash and the run around about the inaccurate inquiries.