davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
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. (TX)

I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX am on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.
Consumer complaint received 2020-03-06
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MA)

XXXX XXXX i reside at XXXX XXXX XXXX XXXX ma XXXX SS # XXXX received a call saying I'd be sued and wages will be garnished for a XXXX XXXX  XXXX  account from 2004. I do not owe this bill. I'm very confused I was XXXX then. I don't owe XXXX dollars plus this is Erie they had my ss number also
Consumer complaint received 2018-01-22
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

XXXX XXXX has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my Experian report and I have contacted Experian and was told that XXXX XXXX has NOT informed them to delete the inquiry. The inquiry date is XXXX/XXXX/XXXX.
Consumer complaint received 2018-01-22
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: Clarity Services (TX)

I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank, now known as Bread owns the XXXX XXXX credit card. Multiple times their website is down when trying to make a payment. They say to call them, just to wait HOURS on hold with no one ever helping. When the payment finally goes through ( late because of their issues ), they charge late fees. They are purposely ripping customers off to make a profit on late fees.
Consumer complaint received 2022-12-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo 2007, Wells Fargo offered me line of credit loans and used my house as collateral. I was unable to make the payments and asked them to consolidate as it would have saved my house and my family, they denied me and I filed bankruptcy in 2007. I was raising my boys alone working at XXXX XXXXXXXX XXXX XXXX XXXX in XXXX  MI at the time. It ruined me life and to this day my credit is bad and I live with my mother. My bankruptcy lawyer XXXX XXXX in XXXX XXXX MI. I lost everything, one of my sons  went to live with his Dad at the time and I lost half my child support which made things even harder. Wells Fargo ended up getting my house.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I stated banking with Wells Fargo early XXXX and this year XXXX was closed by them due to over draft payment. Also they wanted to charge me each month a fee of {$10.00} for banking with them when I signed up I had a promotion if I swipe my card 10 times my account was going to be free. Now I am unable to look at my statement for any documents through them. My Account has been closed. This past two years Ive been having a lot of issues with them. Ive been charge fee multiple times.
Consumer complaint received 2020-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: COAST PROFESSIONAL INC (GA)

My federal loans were on an unemployment deferment. The deferment expired while my XXXX XXXX husband was on maneuvers and I was in another state XXXX XXXX to our XXXX  child. The loans have now entered into default and I request rehabilitation. 

But I don't want to ratify the amount Coast demands and I can not agree to any payment plan until I know the precise nature of the charges Coast Professional demands from me. 

The numbers do not add up. 

Will you please explain : 1. Why the principal amount increased 2. The percentage of interest charged and calculated month over month / year that resulted in the Outstanding Interest amount annotated on the NSLDS. 

My forbearance letter dated XX/XX/XXXX with deferment start date XX/XX/XXXX ending XX/XX/XXXX indicates the current principal balance as follows : Loan Disbursed Date Current Principal Balance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX TOTAL XXXX The NSLDS as of XX/XX/XXXX indicates my outstanding principal as follows : Loan Disbursed Outstanding Outstanding Date Amt Principal Balance Interest XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Total XXXX XXXX XXXX The Default Resolution Group indicates my principal amount as : {$60000.00} This debt collector is demanding over {$90000.00}! Over {$13000.00} is listed quite ambiguously as " *Fees and costs ''. 
I want the debt substantiated with a precise explanation of the amounts demanded. I then want rehabilitation to get my loans back on track and manageable.
Consumer complaint received 2024-03-19
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. (NC)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant,

Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2020-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

Around my mothers passing I had relatives come pay their respects. I had a few people in my home, family members staying over. Moving forward I realized I was receiving emails of an upcoming concert I had no idea my card was charge for. As soon as I realized I reached out to Discover, during the many representatives I spoke too not one advised me to reach out to the merchant, Discover closed that account and send me a new card. After they concluded their investigation their claiming the person behind they theft is my sister. They said in order for them to remove the charge Ill have for file charges on my sister. I refuse because one my sister didnt go to any concert, also again because of people in and out my mom it would be hard to determine who made the charges. What I can say for certain that I didnt make the charges and been fighting this charge ever since.
Consumer complaint received 2020-12-30
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. (CA)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

I am having issues with missing information on my credit report. I have a XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX OH XXXX. My account is not showing on any of my credit reports.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

Attempted to open a credit card with American Express. American Express queried XXXX for my credit report. XXXX is reporting to American Express that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on XXXX credit report.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP (NJ)

Attached you will find the mortgage note that NJ Lender has used to place a lien on my house. NJ Lenders sent me back the " Cancelled of Record '' of my original XXXX purchase XXXX XXXX XXXX XXXX  mortgage that was thought to be paid off by NJ Lenders. I have tried to sell my house and have had many deals fall through because buyers became suspicious that I did NOT has a Satisfaction of Mortgage, No Lien Release and no Discharge of Mortgage to prove that the original XXXX purchase XXXX XXXX XXXX XXXX was paid off and not just voided. 

I need to get a financial statement of the mortgage pay-off to calculate interest and other costs accurately. 

I never received a loan payment from NJ Lenders as per contract and need to know who was paid when so everything can be paid out fairly for both parties. 

Who was paid from the XX/XX/XXXX refinance and where can I get the proof of payment so we can conclude this matter. I detest playing pen-pals but I need to get to answers ASAP
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following credit inquiries are not authorized by me and In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right. 
XXXX XXXX XXXX XXXX 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 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I JUST GOT OFF THE PHONE WITH EXPERIAN AND WAS TOLD THAT THEY COULD NOT REMOVE AN OLD ADDRESS FROM MY CREDIT FILE. I'VE DONE MY RESEARCH AND I BELIEVE THAT THE ONLY ADDRESS THAT SHOULD BE REPORTED IS THE CURRENT ONE. I'VE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND ONLY WANT MY CURRENT ADDRESS REPORTING TO AVOID ANY MORE SURPRISES.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WA)

I applied for a credit card with Discover around the XXXX of XXXX, and my application was pending while trying to verify my current address and SSN. I did, but the site for some reason wouldn't take it and kept sending me that automated email. I finally talked to someone, and they sent me a physical card and approval and a welcome email on XX/XX/XXXX. I tried to activate the card, and they wanted IRS form 4506-T filled out, which I did and returned via email on the same day ( XX/XX/20 ). I then kept trying to activate the card and kept getting a message that they were going over that form, and to wait and that I would receive another email. Finally, XX/XX/XXXX, I get the following email : Dear XXXX XXXX XXXX, We are writing to notify you that we have closed your Discover it card account effective immediately. We regularly conduct reviews to evaluate our customers ' accounts, and during a review, we were unable to verify personal information on your account. We evaluated your account and under the terms of your Cardmember Agreement, a business decision was made to close your account. Our credit decision was based in whole on the information found on your account. 

Any Cashback Bonus or Miles rewards balance will be applied as a credit to your account, or, if the account has a XXXX  balance at the time of closure, a check will be issued. If your account has a credit balance, you may request a refund check, or one will be sent automatically after four months of the credit balance being on your account. 

We will report to the credit bureaus that the account was Closed by Grantor. Questions on how this may impact your credit score can be addressed by contacting the credit bureaus directly. 

If you have any questions, you may write to us at : Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Sincerely, Discover Corporate Security What I would like is for them not to report that the account was " Closed by Grantor ''. It was never even activated, and I never did anything wrong. This one-sided reporting will hurt my credit score for no reason, other than they think something was wrong with my info. I have since been able to receive a XXXX XXXX credit card, and my credit report is unblemished. 

I don't care if they don't want to approve my account. I just don't want them to hurt my credit score, unjustly. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

My chase checking account I believe has been duplicated using my information to make another checking account with my same credentials by way of phone. My phone has been hacked several times since XXXX and have even been gang stalked. This past week has been a nightmare because my phone has been hacked in to every day this week. When I checked my bank I noticed a lot of unrecognizable transactions. My another phone was hacked into at the beginning of the summer but hadnt checked my bank account thoroughly. Also a lot of repetitive XXXX transactions that I clearly do not recall. Somebody has been XXXX  themselves a few hundred here and there. The gang stalking begins shortly after they find out that I realized Ive been hacked. Also my car was also hacked into to see my where about I would guess. Theyve intercepted XXXX, XXXX, and I believe XXXX calls Ive made. Ive walked into Chase to ask for printouts and try to explain my situation and staff was zero help or concerned. I went to XXXX several times to replace my SIM and eSIM several times as well with no luck because shortly after they would right into it again. XXXX support send me to XXXX XXXX XXXX XXXX and they were able to help so I came home and hooked up to my XXXX XXXX  and rebooted it myself and speechless as how I could and they couldnt. Maybe they track to see where Im going for phone repair and call and act as law enforcement? Pleas help!
Consumer complaint received 2020-03-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (TN)

I have been dealing with NAVIENT for days. I am filling out my XXXX  application to take the XXXX, become an XXXX, and pay NAVIENT. The application requires that I provide full loan numbers. I have requested this information four separate times in the past 2 days. They keep telling me I can find it on their website. Once I made one of the customer service reps wait on the phone until I went through the website like they said, they admitted I couldn't view that information online. Then they tell me it is ON MY MONTHLY STATEMENT. Yet .... I logged into their message system and viewed every monthly statement for the last 2 years and guess what? the loan number is NOT on the statement. I called them again and told them this. They then admit, it is NOT On my monthly statement. Bottom Line : They are refusing to provide the loan numbers. I have no idea how this is legal, but please help me fix it. Thanks.