davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (AR)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-11
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$87.00} from my transactions below? 


CASHED/DEPOSITED ITEM RETN UNPAID FEE - XX/XX/XXXX - {$12.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX *XXXX  - XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$280.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} XXXX XXXX  CLUB FEES XXXX XXXX - XX/XX/XXXX - {$15.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX {$15.00} Thanks a ton, XXXX
Consumer complaint received 2022-11-22
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. (NC)

I am a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 168 and they violated my rights numerous times. I demand these accounts listed below be removed because according to 15 USC 168 I have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to address a matter concerning the reporting of a charge-off on my consumer report, which I believe violates federal regulations and established case law. Specifically, I am concerned that the XXXX XXXX XXXX XXXX XXXX ) considers a charge-off as income, and as such, it should not be reported to any consumer reporting agency. As per the Fair Credit Reporting Act ( FCRA ), it is essential that consumer reporting agencies furnish accurate and fair information regarding an individual 's creditworthiness. However, the reporting of a charge-off, which is treated as income by the XXXX  contradicts this requirement. The XXXX  has explicitly stated in various publications and guidelines that a charge-off is considered taxable income. For instance, in Publication XXXX ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ), the XXXX  outlines that cancelled debts, including those resulting in a charge-off, are generally considered taxable income unless specific exceptions apply. This confirms that a charge-off is recognized as income by the XXXX  Furthermore, case law supports the notion that a charge-off should not be reported to consumer reporting agencies due to its classification as income. A notable case in this regard is the United States XXXX XXXX case of XXXX XXXX XXXX XXXX, XXXX T.C. XXXX ( 1987 ). In this case, the court ruled that a cancelled debt, which resulted in a charge-off, was indeed taxable income and should be treated as such for tax purposes. This ruling establishes a precedent that aligns with the XXXX  ' classification of charge-offs as income. Given the XXXX XXXX  stance and the precedent set by relevant case law, it is evident that reporting a charge-off on a consumer report is erroneous and XXXX potentially mislead lenders and other entities assessing an individual 's creditworthiness. Therefore, I kindly demand that you take the necessary steps to rectify this issue and ensure that any reporting of a charge-off on my consumer report is promptly removed. I trust that you will address this matter in a timely and appropriate manner. Should you require any further information or documentation from me, please do not hesitate to contact me via the contact information listed on the account. Thank you for your attention to this matter.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (NV)

I submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (OH)

I am filing a compilation fraud thing someone have stole my information and have be using it to get credit card and car loans in my name, address listed on my credit report Im not aware of and also hard/ softy inquiries Im not aware of.
Consumer complaint received 2023-01-03
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: Experian Information Solutions Inc. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-08-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (TX)

Back to 2008 I Pay off my 2nd mortgage. 
With Citi mortgage. 
After paying off they just sent me the congratulations for pay off my 2nd mortgage. Don't have any lien holders release.

Today I'm process my new 2nd mortgage with XXXX home loans. 
They asked the lien holders released. 
I call citi mortgage it out of business. 
I was struck right there. 
I sent the email to XXXX It's not respond..
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: ENCORE CAPITAL GROUP INC. (TX)

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO MIDLAND FUNDING. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT XXXX IS LICENSED IN THE STATE OF XXXX  TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (AL)

I haven't kept paper records of my loans ' principal and interest amount because I can check them whenever I want on studentaid.gov, but the last time I looked at my loans I had around {$38000.00} total debt about 6 or 8 months ago. Back in XXXX or XXXX when I first got finished with school. I owed like {$19000.00}. Over the last 19 years, I have reached up {$19000.00} in interest. But NOW, right when the interest was set to be forgiven, my interest amount on my loan is {$5000.00}. 

How can that have been reduced by {$14000.00} unless Nelnet. My new loan servicer, refinanced my loans without my knowledge or unless they are showing an incorrect amount. My husband has the same problem. His student loan interest amount went from like XXXX to {$1000.00}. 

Someone needs to look into this company. 

Also, every single month they send a bill with a different amount under the past due amount. My husband and I both signed up for the Save plan in XXXX either when the loan payments were set to start back. We had to end up filling out the application three or four times before they, Nelnet, finally responded that we had been signed up and by that time, we both had a month of payments due. It was my understand that that amount should've been reduced to XXXX  now that our payments every month are XXXX dollars, but we get a bill one month saying we {$350.00} or some odd Dollars and the next month is says XXXX dollars owed and then next it's back to {$350.00}. I don't have the documentation to prove it but something fishy is going on with this company. 

We never had this problem when we dealt with Great Lakes Loans out of California, but ever since we were stuck with this company back in XX/XX/XXXX, we've had problems.
Consumer complaint received 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

under federal law 15 us code 1681 a strictly forbides any information that can be released to the credit bureaus. I want the late payment information deleted off of all the credit reports.
Consumer complaint received 2017-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Financial otherwise known as Synchrony Bank started sending me text notifications in  XX/XX/XXXX regarding a debt for a Wal Mart credit account. I called them up and informed them that I am not the owner of the account, that being a gentleman named   XXXX   XXXX  .
<P/>
The customer service agent informed me that I would no longer receive text messages from them. Unfortunately, this was not the case. I continue to receive text messages from them regarding this debt. I have called 10-15 times regarding this and each time, I am informed that this should stop happening. The latest text message came on Saturday  XX/XX/XXXX  at   XXXX   XXXX   from a   XXXX   number.
<P/>
The message reads : FRM : Synchrony Bank for your Walmart Credit C SUBJ : Account Alerts MSG : The balance on your Walmart Credit Card has exceeded {$500.00} I am not able to provided dates regarding previous text messages and phone calls. However, I did call them 4 times in  XXXX  at a minimum. I have tried being polite with them and I have tried being a complete asshole. Neither tactic has worked to getting them to stop.
<P/>
The debt associated with my cellphone is not mine and I am fed up with being constantly harassed over this debt.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

Mohela received a check from the Illinois XXXX XXXX  XXXX to apply to my student loan account. The Illinois XXXX XXXX XXXX awarded me {$6500.00} in XX/XX/XXXX in observation of the school XXXX XXXX shortage in the state of Illinois. Mohela was sent a check on XX/XX/XXXX, from the Illinois XXXX and cashed the check on XX/XX/XXXX ( per the records of the Illinois XXXX XXXX XXXX ). Although Mohela cashed the check, it has yet to be applied to my account. My question is, if Mohela has cashed the check, why wasn't the {$6500.00} applied to my student loan balance? When will this happen? Essentially the fact that Mohela has cashed the check but not applied it to my account is fraud. 

Check # : XXXX Date Sent : XX/XX/XXXX Date Cashed by Mohela : XX/XX/XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (FL)

I was with XXXX  for 13 years and in the course of my relationship with XXXX, I found them charging me for lines I did not use anymore on three different occasions due to their negligence. When I called them on it they cut me off from my information. Hence, I was unable to fight them on this last time I caught them because all my devices were paid off and my bill was still {$540.00} a month when I researched my account they had been charging me with lines I closed at one point and they reopened or blatantly left open so that my bill would be high. When I asked for one of the Managers they told me that even though they had been charging me for 9 years for three different lines that were not needed they would only refund me for 3 months. I expressed my unhappiness and told them I would no longer use their services. Once I left they began to send me bills saying I owed money for devices I already paid off. like my XXXX watch and an XXXX cell phone
Consumer complaint received 2021-04-28
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-06-22
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. (MI)

There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.
Consumer complaint received 2023-08-17
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: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX I received my credit report to see items being reported in correct. It show the wrong date of being delinquent and a past due amount on a charged off account.
Consumer complaint received 2020-03-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

I have attempted to ask for a settlement from the company, but the company refuses to settle. I have been unable to make payments, and today I received a collection call for the balance. The collector call my phone number, my work phone number, and other relatives. The person who called gave out personal information and left threatening messages like they were going to come to my employer.
Consumer complaint received 2024-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (CO)

Made a principal payment on my BMO HELOC  on XX/XX/year>, from my BMO checking account. The money was withdrawn, but never credited to the HELOC / mortgage. Talked on the phone with the digital banking group twice and one online chat and the mortgage servicing group twice. This was on XX/XX/XXXX and XX/XX/XXXX. The first four times both teams said they could not help me and I need to talk with the other group ( banking or mortgage servicing ). After insisting that I need to talk with someone who could resolve or research, the mortgage company agreed to do so. The issue is still unresolved.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I paid off my vehicle on XX/XX/XXXX. In the past month I have been trying to get the tittle and when I call them. My most recent call was on XX/XX/XXXX. They indicated they sent all the required paperwork to release the electronic tittle with the DMV of virginia on XX/XX/XXXX. VA is responsible for mailing the tittle. I proceed to call the DMV in VA and they indicate that the bank never released the electronic tittle and that they might have done it incorrectly. I need them to resubmit the tittle hold release. They keep offering me a satisfaction of lien letter which is useless for me to get the tittle. They keep sending me in a wild hunt and i just need my tittle.