davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$73.00} ; XXXX OF XXXX XXXX XXXX : {$15000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX CARD XXXX Balance : {$4500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX BANK 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 XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; CCFI XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

without notice have had bank account wiped out entirely due to funds owed to a credit card without notice or approval. 

have had holds put on cash deposits have received emails regarding extension of time to deposit money to cover overdraft fees then charged fees and items not paid
Consumer complaint received 2023-01-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (MO)

Repeatedly calling and calling my contacts repeatedly after I've talked with them and told them my situation... the fact that I can't afford to make payments due to income changes. I've told them on several occasions to stop calling my contacts. I've lost a couple friends, got in trouble with my son in law and my landlord isn't happy about them calling her.
Consumer complaint received 2019-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NJ)

on XX/XX/2019 XXXX XXXX focus recv, mgmt. phone # XXXX left message that they are trying to collect an unpaid debt. 
I have zero unpaid bills. 
All of my credit cards and utility bills are always current with XXXX balance. 
I receive no statements by mail of any unpaid bills The call asks me to call them to arrange payment. 

Focus recv, mgmt. has called many times [ maybe 30 ] Is this harassment?
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2021-11-10
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. (LA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2019-12-21
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Investors Servicing Corporation, Atlanta, GA Branch (AZ)

Called and advised the account was past due and asked how I was going to handle this. My wife had already let them know that we were aware it was past due and we would handle it as soon as possible as we had a family emergency. So when I spoke with them I told the agent i would not be handling this at this time. She then proceeded to tell me fine she will send a tow truck to my home to get the vehicle. So I felt threatened to setup a payment I can't afford at this time due to our family emergency. My wife called them back later to see if the vehicle was out for repossession and it's not even assigned for repossession at this time it is only 37 days past due. They should never have threatened to send a tow truck to my home if I'm not even assigned for repossession.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing LLC ( SLS sold my loan to XXXX XXXX. I had auto-payment set up with Specialized Loan Servicing. After loan was sold, Specialized Loan Servicing did not transfer or stop my auto payment while XXXXXXXX XXXX  said I was late with my payment in XX/XX/XXXX. I set up auto payment my self with XXXX XXXX  and Specialized Loan Servicing redeposited my funds. The next month Specialized Loan Servicing again attempted a withdraw from my account. I called them and they said they did not request the withdraw. They said they had no evidence a transaction had occurred and they could not fix the issue. The bank said there was nothing they could do at this time which is another issue. 

Withdraw transaction is pending as of XXXX XXXX XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

Contacted by XXXX on XX/XX/XXXX regarding a {$150.00} debit to XXXX SC, I explained that the entire amount was paid and asked for an email address to send the documentation. I sent the documents and never received a follow up neither via phone call nor a letter. I received a notification that the debt was reported to the Credit Bureau on XX/XX/XXXX. I called XXXX again XXXX XXXX and was told they did receive my documentation back in XXXX however their client had never confirmed the debt being owed or a XXXX balance nor has XXXX acknowledged my second email to them along with documentation. Instead it is reported as an unpaid XXXX XXXX on my credit report and the report did not happen until XXXX XXXX months after I originally disputed with them.
Consumer complaint received 2019-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (FL)

On XX/XX/XXXX I made a mobile check deposit for {$340.00} on a check written out for {$390.00}. I noticed the mistake posted and reached out to my bank, SoFi, for how to correct it. They told me I needed to talk to the bank where the funds were coming to get them to make the adjustment. In contacting XXXX Bank, the funds issuer, they told me my bank should be able to initiate a mobile deposit correction without any communication from them, but I could not make a correction with them because I am not the account owner at XXXX Bank. I talked to the account owner and they were able to initiate the correction, which happened on XX/XX/XXXX and was expected to complete within XXXX hours. The XXXX Bank account owner gave me a copy of the receipt for the adjustment. I contacted SoFi to follow up on XX/XX/XXXX since I had yet to receive an update and the representative told me they would get back with me if it had not been fixed by the end of the week. On XX/XX/XXXX I called SoFi because I had not received any updates. They told me they had not received the adjustment from XXXX Bank. I contacted XXXX Bank for status. They told me I could not get any information because I am not the account holder. I contacted SoFi again and they told me I could submit the receipt for their back office to process the transaction and they would contact me by COB XX/XX/XXXX, but I have received no additional information and neither bank seems to be able to make any progress with the other. The latest I got from SoFi was an email with the following : I did just get a response back from them. They are still pushing back stating the request has to come from XXXX Bank. They stated they will need the adjustment sent over by XXXX  again for the adjustment to take place. I would recommendcalling again with that referencenumber. You don't need any info on the account but to let them know SoFi has not received the request from them and it needs to be resent. So sorry for the hassle! 

This is what I did earlier today and XXXX Bank would not tell me anything because I am not the account holder. There does not seem to be anything that either company is willing to do to progress this along.
Consumer complaint received 2024-03-20
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. (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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2019-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for Capital one which they approved me for a capital one 360 account I inserted {$1300.00} into the account the account been open less than a month I now have {$330.00} in my account they are not releasing my funds due to not able to verify my identity. 

This is awful why have a system in place for consumers to apply in which it cant be verified at the time of application? 

XX/XX/19 between XXXX XXXX I called and spoke to a representative who was insensitive and was mimicking my voice and basically not professional to when I told him his conversation was being recorded he wanted to hang up. 

Capital one get people to sign up to basically take advantage of them. The man said I cant idenitify you so youre not getting your money .. 

These conversations should be monitored and recorded in which this one should have been because this rep XXXX! 

I just want my {$330.00} if they want to close the account after I withdraw my funds that would be great
Consumer complaint received 2018-03-02
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: ALLY FINANCIAL INC. (OH)

XXXX XXXX XXXX reported on my inquiry XX/XX/17 on XXXX and XXXX. I did not give authorization and did not apply to this creditor. I called the creditor and XXXX and XXXX to have it taken off my inquiry. No action was taken. 

XXXX XXXX was reported on my inquiry XX/XX/17 on XXXX  and XXXX. Did not apply to this creditor nor authorization. Called XXXX and XXXX, plus the creditor to have them to remove it off of my inquiry no action was taken. 

Ally Financial was reported on my inquiry XX/XX/17 on XXXX. Did not apply to this creditor nor authorization. Called XXXX and Ally Financial to have it removed from my inquiry no action was taken.
Consumer complaint received 2023-02-18
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. (FL)

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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (TX)

I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for XXXX XXXX XXXX. Nothing has been done about it. They all came back that it was verified. 
XXXX XXXX XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as National Credit Adjuster, formerly AD XXXX XXXX XXXX. 
NATIONAL CREDIT ADJUSTER The company that reported the information has certified to XXXX that the information is accurate. 
AD XXXX RECOVERY SERVICE Information on this item has been updated. Please review your report for the details.
Consumer complaint received 2019-12-17
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I FEEL LIKE IT IS NOT FAIR TO ME AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES FOR SOMEONE ELSE 'S ACTIONS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NY)

I completed a XXXXn survey with the XXXX XXXX program. The honorarium was {$30.00} and issued to me in the form of a US Bank National Association XXXX debit card. The survey was completed XX/XX/XXXX. I received the debit card about one month later. The expiration date of the card was clearly indicated on the front of the card as XX/XX/XXXX. I wanted to use the card on XX/XX/XXXX but learned that {$2.00} per month had been deducted starting 90 days after I received and activated the card. The total deducted to date is {$8.00}. This is highly egregious and illegal in several states. In addition, I believe Federal law would prevent a gift card from loosing value in such a short period of time. I asked the bank to reverse the charges and they refused. When asked to intervene, XXXX XXXX program told me to take it up with the bank. Further attempts to speak to someone at XXXX  have gone unanswered. I am asking for your help in resolving what I feel to be a highly unjust matter. It is not the {$8.00} but the principle in this case that a card given as a compensation should not start to be devalued after an extremely short 90 days.
Consumer complaint received 2019-12-17
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. (MI)

CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX  XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX  XXXX  XXXX  ACCTS    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX date  :XX/XX/XXXX   XXXX XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (AZ)

Incorrect credit reporting was issued by the company on my consumer credit report from XX/XX/XXXX. This has affected my credit score drastically and needs to be revised. An initial complaint was submitted to the card services department on XX/XX/XXXX disputing fraudulent charges and statement balance. This was resolved end of XXXX, however, Barclays has not resolved the issue with the credit bureaus after initialing another dispute on XX/XX/XXXX to the FCRA Credit Bureaus Department.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

The company AMERIFINANCIAL SOLUTIONS has been reporting a debt on my file with the XXXX credit bureaus. I reached out to them XXXX via letters sent via certified mail asking for verification of said debt. The XXXX letter was sent around XX/XX/2021. After not hearing a response back to my first letter, I sent a XXXX  " Final Attempt '' letter on XX/XX/2021. After not hearing back from that final letter after XXXX days from XX/XX/XXXX, I decided to call them on XX/XX/2021. 

It is my understanding that when a consumer makes a request for verification, the creditor has XXXX days to respond. In each instance, I never received response from creditor. During my call on XX/XX/2021 the creditor admitted to having received my correspondence letters and stated that they sent letters back to me each time. I have not received a single letter and asked how they can verify that they sent said letters because I can see XXXX letter not getting to me due to carrier mishandling but both letters, that's highly unlikely. When asked if they sent the letters via Certified Mail as I did ( which shows that I can prove I mailed the letters and they in turn received them ) they responded that they did not and nor did they have to. I let them know that they then have no way to prove that they sent me a letter all they can do is state that they sent the letters. 

I finally asked them to provide the contract signed by me showing my signature and clearly verifying that said debt belongs to me and they told me that they did not have to provide signature ... that all they needed to do was show the name of the original debt collector and the amount. I told them they are in violations of The federal Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. 

I concluded the call by letting them know I would be contacting the XXXX as well as the state attorney general to mount a complaint and they told me to go ahead and that when I do so, they will be able to provide the XXXX with a signed contract with the original creditor signed by me. 

Also I have reached out to all the credit bureaus multiple times regarding this and each correspondence states that the debt has been verified buy creditor yet I have not seen any verification documents.
Consumer complaint received 2019-12-21
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. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :