davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
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. (FL)

XXXX Account # XXXX, - XXXX XXXX  Account # XXXX,, XXXX XXXX  account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXXAccount # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX XXXX Account # XXXX, 15 U.S.C 168 ; c ( a ) ( 5 ) Section States no consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 SECTION 602 A. States I have a right to privacy. ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. 15 U.S. CODE Subchapter III CREDIT REPORTING AGENCIES ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ) A ) Reporting information with actual knowledge of errors, A CONSUMER to any consumer Reporting Agency if the PERSON knows or has REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2019-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NC)

My ex husband took my son to the hospital. He put me down as the responsible party. I was not present and was not aware until I received a bill in the mail. I tried working this our with the doctor which was unsuccessful. I have disputed with all credit bureaus and XXXX XXXX is the only one that has removed this charge.
Consumer complaint received 2024-03-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aspen Yo LLC (FL)

Hello, my name is XXXX XXXX, when the pandemic, XXXX XXXX told me that I did not have to pay for my property, that they did not report me to the credit, they did not charge me interest, now I bought the Gregory Fundin loan and they want to charge me interest and attorney fees, I want to pay them the payments. late please I need help thank you if you don't help me I will have to go to court thank you
Consumer complaint received 2019-02-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

My business checkings account with Wells Fargo was charged 7 overdraft fees totaling {$240.00}. I was going through financial struggles at the time. 
My account first became negative by {$8.00} on XX/XX/2018. The first overdraft fee was charged then. Normally with Wells Fargo, when your account becomes negative, other charges are not allowed to go through to prevent further overdraft. Instead, more charges were allowed to go through, automatic debit charges. 
Between XX/XX/XXXX - XX/XX/XXXX, I was charged 7 overdraft fees. Without the fees, my account would have been negative by {$100.00} which I would have been able to take care of in a few weeks time. Unfortunately, my account ended up being negative {$350.00} due to the overdraft fees being charged in excess. 
I contacted Wells Fargo in XX/XX/XXXX and XX/XX/XXXX in the hopes to have the fees overturned so that I could bring my account back positive. They refused to even refund one fee. With that, I was unable to bring my account positive and Wells Fargo decided to just close my account. 
This is not the first time I had to contact an outside source in regards to being charged overdraft fees in such an aggressive manner. The last time I had to contact the Better Business Bureau.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that I C SYSTEM COLLECTIONS has furnished some items that have unverified information. I believe under

the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from I C SYSTEM COLLECTIONS but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed  under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything  more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization.
Consumer complaint received 2023-07-23
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SD)

Wells Fargo continues billing me a $ XXXX Monthly Service Fee, even though I am meeting the obligations to avoid being billed this fee each month. The terms of the account state I can avoid the fee through a linked mortgage or an average balance of {$7500.00} on a line of credit, checking account, etc. They are only considering my Average Daily Balance on my checking account in qualifying the fee waiver, not my credit card average daily balance that far exceeds the {$7500.00} requirement. I called them previously and they credited two months of fees and said theyd look into it, only to bill me again on XXXX. I want the fee waived and to make sure they stop doing this. Their history lends itself to taking advantage of their customers with fees, so Im sure other consumers have been harmed by this issue, too.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (TN)

This was a debt for XXXX XXXX received from XXXX XXXX XXXX with XXXX XXXX XXXX. for an XXXX  XXXX XXXX. There was a delay in payment due the my dental insurance originally denying the claim as not medically necessary. I was not aware there was an issue with this service for a XXXX XXXX until a bill was received from AWA for {$710.00}. I reviewed my dental charges with XXXX XXXX and saw the amount of the bill was {$530.00}. At that point a payment in the amount of XXXX was sent directly to XXXX XXXX XXXX via XXXX. After a dispute was submitted to all three credit reporting agencies, the amount of the debt was reduced to {$310.00}. Once it was discovered the amount was less than the original debt, an additional {$130.00} was sent directly to XXXX XXXX XXXX for another {$130.00}. I have called AWA several times on this matter. I spoke with XXXX XXXX, ext XXXX and was advised i needed to send a copy of the payment that was sent to XXXX XXXX. This was done but when i called to verify the status I was advised the fax was illegible. At this time I also asked XXXX if he had reached out to XXXX XXXX 's office directly to verify the payment and he advised they weren't allowed to ask that and could only call the dentist 's office if they had proof of payment themselves. So I submitted a very, very, clear image of the payment shown by XXXX. I since have left several messages with XXXX at AWA with no response. The bill is still showing on all three credit reporting bureaus.
Consumer complaint received 2024-04-27
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. (IL)

My sister was seeking a car loan and has chosen XXXX ( new car ) but in order to get the loan, she needed a driving license so she asked me to provide mine, which I did. 

The company car was suppose to address this note as the loan was never for me, it might be a mix up as I live in Illinois and my sister lives in Oregon, therefore a hard inquiry should have been done only to my sisters credit, not myself. My sister has already given a document stating her employment in Oregon to clarify the situation as the car loan company has added that it was me who was hired by XXXX and living in Oregon. 

The hard inquiry is affecting my credit score, which should be fixed. I appreciate your help in this, and I am happy to provide more information if needed. 

Sincerely,
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Same complaint as # XXXX Comenity Bank has yet to actually resolve this case. 

XXXX Bank sold my credit card account to Comenity BAnk in XX/XX/XXXX. I made a payment of {$920.00} to XXXX on XX/XX/XXXX. That amount was trasnferred to Comenity per XXXX and Comenity claims to have credited to an account in the name of XXXX XXXX account number ending in XXXX. That is not me, I do not know who that person is and I would like my money refunded immediately. I have provided everything in writing to Comenity bank multiple times as well as to XXXX Bank.
Consumer complaint received 2023-03-24
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. 

XXXX XXXX XXXX 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 2019-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

I am on an automatic payment plan with my lender, Discover Student Loans. When I tried to use the same payment account that I use every month for the automatic payment to pay an additional {$2000.00} towards my principal the lender was unable to process the payment and reversed the payment without notification. I have also previously used this account to pay one-time payments without issue. Discover Financial ( the lender ) claimed that my bank was unable to locate my account. Upon confronting my bank, XXXX XXXX, they confirmed that Discover Student Loans did not event try to process the payment. 

This is one, in a long list, of times that Discover Student Loans tried to avoid additional payments towards my principal so as to protect the expected interest payments on the loan. To date I have still been unable to pay the additional {$2000.00} I would like to pay towards my principal. I want Discover Student Loans to accept additional payments as is there contractual obligation under the loan terms.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have paid my original balance with Capital One along time ago. On XX/XX/year> I paid my entire balance of {$250.00}. My balance, at that time, should have been {$0.00}. But for whatever reason paying after XXXX on the due date earns you a Late fee of XXXX XXXX For most companies it's by XXXX on the due date. I've called the company numerous times to ask them to take off the late fees. But they refuse to take off the fee and are not working with me. Like I said, I paid the original balance on my due date. I paid at about XXXXXXXX XXXX on the due date. They have since continued to charge me a late fee every month and also charged interest. .... This is all from a XXXX $ late fee they refused to take off, not from an actual balance I didn't pay, it's from a fee. My balance is now {$180.00}. The way they continue to pile on these fees is Predatory and unethical. My balance should be XXXX XXXX I paid my entire balance at XXXX instead of XXXX. Does this deserve a {$180.00} penalty fee? These actions, from the credit card company, are reprehensible and unacceptable.
Consumer complaint received 2023-03-24
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX RE : DELETION OF LATE PAYMENT FROM CREDIT REPORT NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX XXXX Equifax XXXX XXXX ) consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXXXXXX XXXX  Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; AS WELL AS 15 U.S. Code 6801 THE LAW CLEARLY STATES : Transactions between the consumer ( me ) and the person ( XXXX XXXX XXXX ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX XXXX XXXX XX/XX/XXXX  Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-08-16
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. (FL)

I am a natural person, i am a living human being, i have rights Under 15USC1681. Experian is govern by 15USC1681. And they violated my rights numerous of times. i demand the accounts listed below be removed because according to 15USC1681 : I have the right to privacy and i did not give XXXX written permission to furnish these 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
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

WAS PAID BY INSURANCE COMPANY PROVEN REMOVED ONCE AND PLACE BACK ON MY ACCOUNT REQUEST DOCUMENTS 30 DAYS AGO TO PROVE THAT ACCOUNT WAS MINE CLAIM HAPA LAWS WILL NOT ALLOW DEMAND THEY REMOVE IMMODERATELY
Consumer complaint received 2019-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MD)

This is a home equity loan obtained in XXXX and discharged through Chapter XXXX Bankruptcy in XXXX. Due to extreme financial hardship I applied for loan modification in XX/XX/XXXX. I am writing to report the predatory and disingenuous methods in which this process has been handled by CitiMortgage. These methods are clearly designed to confuse, frustrate, and dela y the borrower and make an already desperate situation worse.. Briefly stated these methods include : Letters sent from the home office giving borrower a false sense of security, repeated requests for the very same documents, correspondences originating from different sources : home office, text messages, and emails and phone calls from representative, and promises of weekly telephone updates never fulfilled. All of these messages are different and divergent in nature. I have sent numerous emails for which I have had no reply. I have documented and saved every email and conversation. 
My most recent contact from CitiMortgage was from the representative that all documents were received and complete. The following day I received a text stating Your hardship application is with underwriting which can take 30 days. Well keep you advised. This was on XX/XX/XXXX. Since that time, I have received four Notices of Intent to Foreclose. One of these was registered mail the other 3 regular mail. I have sent 3 emails to CitiMortgage requesting  an explanation. All have been ignored. 
I would be most appreciative if you can investigate this matter and assist me as I try to go forward with this much needed modification. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX C- ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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)

This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX XXXX XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX.
Consumer complaint received 2019-06-12
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. (HI)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION (MS)

Regions Bank recently pushed everyone to get periodic statements online. I selected to continue to get my periodic statement in the mail, but I didn't get the XXXX or XXXX periodic statements in the mail. I expressed my concerns in person and was assured that my account was set up to have my statements mailed to me. I have never received my XXXX periodic statement after multiple requests. I spoke with customer service on XX/XX/XXXX and was assured my XXXX statement would be mailed to me. I have never received the XXXX statement. At this point, this appears to be a XXXX issue. I feel as if they are being deceptive and do not want me to be able to balance my checkbook. Someone at Regions needs to take my request seriously. Extremely disappointed with their handling of my request for a periodic statement.