davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2018-11-11
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (FL)

At the time, I was going through financial hardship. I wasn't making enough money and missed my Wells Fargo Credit Card payment. The company did not work with me which resulted in my credit history being affected. I made the payment a few days late and there was nothing the bank can do.
Consumer complaint received 2018-11-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I have thirty six closed Navient accounts beginning with the numbers XXXX that I have requested for XX/XX/XXXX and XX/XX/XXXX months to be reported as not late. It was returned as accurate despite my credit report showing my account was paid on time the previous four months ( see attached ). Subsequently, I requested all thirty six closed Navient accounts removed from my credit reports which was denied and reported as accurate.
Consumer complaint received 2018-11-11
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. (TN)

starting on XX/XX/2018 thur XX/XX/2018 i have disputed serveral accounts on my credit report with Equifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. Box XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
Consumer complaint received 2023-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2019-09-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (MN)

Had acct with amazon for 12 years, last money they charged my credit card for 2 items my son bought. I complained, no response, so told my credit card company. 

On XXXX they blocked my acct. I faxed them 4 times the info they wanted and I put {$130.00} into the acct that day I still can not access. I told them the credit card to take the money out of but still no response from them, it's been over a week.
Consumer complaint received 2018-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). 

I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. 

After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. 

This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. 

I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.
Consumer complaint received 2020-12-16
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. (SC)

XXXX XXXX purchased my Mortgage in XXXX. It was paid in full on XX/XX/XXXX. They reported me 30 days late for XXXX. They admitted today they did it. It is against the law for them to report me late within the 60 day grace purchase after a loan is transferred to a new servicer. They said that this cant be fixed until XXXX when they report it again and fix it. This is unacceptable. This needs fixed immediately as it has had a major impact on me and my wifes credit scores.
Consumer complaint received 2018-11-11
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Services, Inc. (KY)

I completed a student loan default in XX/XX/XXXX with National Credit services, XXXX XXXX XXXX XXXX, wa XXXX XXXX. Upon completion i contacted the collection agency on XX/XX/XXXX, and XXXX to find out what i needed to do. I was then, on XX/XX/XXXX, only then, informed that the documents recieved in question were not valid. The representative stated i would have to start my default over again for the required time frame. I was not notified in writting, via voicemail or calls that the documents were not valid u til i called in XX/XX/XXXX. 
On XX/XX/XXXX and XXXX i contacted the agency to ask them to report up to date pay, ents made and at that point the representative stated thta i am still in default and am only making viluntary payments for {$65.00} a month.
Consumer complaint received 2018-11-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I recently filed Complaint No. XXXX. The response received from PennyMac was inaccurate. The response suggested that I did not provide instructions as to how additional monies should be applied to my account. This statement is untrue. I have spoken with multiple representatives throughout the duration of my loan and it has been suggested that a code would be applied to my account. Furthermore, the representative who responded to Complaint No. XXXX also suggested that she would speak with her Billing department to ensure that all payment overages were applied to the principal mortgage balance. 

Notably, I recently remitted a payment and the overage in the amount of {$88.00} was not applied to the principal balance. Please review the attached screenshot for confirmation. This is becoming extremely annoying always having to follow-up and ensue that my payments are applied to my loan properly.
Consumer complaint received 2022-07-26
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: Experian Information Solutions Inc. (MO)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit file that came about due to an alleged identity or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX : {$6100.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2018-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (TX)

Upon checking my credit report, I found a collection account from Phoenix Financial Services. 

I have not received any contact from PFS in reference to this matter, either my phone, email, or US Mail. I do not owe any debt, and have no knowledge of ever doing business with PFS.
Consumer complaint received 2024-03-05
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX  XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

capital one employees are so unprofessional. I found out that after co-vid they decided to changed an agreement and say I owe an additional XXXX on a PAID IN FULL account. When the lady got my piece of the feelings I feel about it. SHE canceled my current capital one account out of pure XXXX AND XXXX XXXXXXXX WAYS OF BEING A COMPANY. 

THE REVERSAL OF PAYMENTS OF WHICH IM SURE THEY WILL SPEAK OF IS DUE TO ANOTHER XXXX COMPANY CURRENT BANK AND AS FAR AS THE MONEY YOU CAN AS XXXX XXXX  OR XXXX XXXX XXXX
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

XXXX place a lien amount of XXXX owe to do for tax year XX/XX/2010. I was told that they never received my state XXXX. After submitting the information requested. It show that a refund was owe to me instead of me owing them. I have tried several times to have this remove from crediting reporting agency Equifax but no success. All other credit reporting agency has removed this information. I requesting that this information be removed because it was not accurate in the first place. Stating paid in full is not a true statement. When I did not pay anything because the owe me.
Consumer complaint received 2022-06-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount Recovery Systems, L.P. (IN)

This company has made no attempt at contacting me other than rotating this supposed charge that should have been submitted to the Veterans Administration for payment due to being covered by VA Seltect at the time of the treatment. Instead of the hospital following up with the VA for payment they submitted it to collections. The current holder has made no effort to collect. They however closed the account on the XX/XX/XXXX and then reopened it via XXXX and XXXX, with the express purpose of destroying my credit. My credit just moved from a XXXX to a XXXX due to them " reselling '' or reopening the account is not a fair practice.
Consumer complaint received 2018-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I believe that someone went into my locker and stole my credit card. I have charges on my card that sum up to {$960.00} which I there is no way they should be able bill me for because it wasn't me!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (NY)

i have been disputing a XXXX bad debt added to ann account I paid off with XXXX XXXX XXXX since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.
Consumer complaint received 2021-11-23
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 am a victim of identity theft. And as a result, false and inaccurate information were posted on my credit report... 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-11-12
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. (SC)

It is XXXX XXXX in America. After sending supporting documents supporting my case to Experian and XXXX  reporting unverified and inaccurate reporting Charge offs From XXXX XXXX. They continue to Parrot this WRONG information. Still NO CONTRACT WITH MY SIGNATURE OBLIGATING ME RESPONSIBLE FOR THIS MIXED FILE. In a Previous document XXXX XXXX admitted they had NO contract but believed their information was accurate refusing to remove the WRONG information. XXXX XXXX  left the DECISION up to the CRA who decided to PARROT the INACCURATE information. Thank you Veterans YEAH RIGHT!
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Forster & Garbus LLP (NY)

i have been disputing a XXXX  bad debt added to ann account I paid off with foster & garbus since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I have placed a security freeze on my credit with Equifax. I need to temporary remove it, but I'm unable to. I have created a " myEquifax '' account which should allow me to do it through their web portal, but although I have the correct user name and password, the website does not let me log on ( " Please give us a call We can't complete your request at this time. Please call the Customer Care team XXXX '' ) and points me to the Equifax phone number for support. 

I tried calling their number to both get support with the their website or at lest lift the freeze from my account. In both cases I was required to provide a lot of information and answer many questions, but I was not able to achieve either goal even after an hour on the phone. At some point I reached a representative who put me on hold and then disconnected the call. 

I had no issue removing my credit freezes from the other two agencies, within a minute or two.
Consumer complaint received 2019-09-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: DISCOVER BANK (MI)

I'm writing on behalf of my mother. 
I wanted to transfer my IRA account from XXXX XXXX XXXX  to Discover Bank. 
I filled out the necessary forms that Discover required including REQUEST FOR TRANSFER OR CONVERSION FOR TRADITIONAL, ROTH OR SIMPLE IRA. 
On the form it asks for the address of XXXX XXXX XXXX and my SSN. 
I filled it out with the PO BOX address listed on my XXXX XXXX statement and my full SSN. 
Mailed the forms roughly around XX/XX/XXXX. Days later I received a call saying they can't process it because it has a PO BOX instead of a physical address. 
I filled out a second form with the physical address and mailed it on XX/XX/XXXX. 

On XX/XX/XXXX, after noticing that the account still hadn't been funded on XX/XX/XXXX I wrote to them asking if any more forms from me were needed. They said no, everything was good and they were just waiting for the check from XXXX XXXX. 

Mid XXXXt rolls around and I went to XXXX XXXX to find out why they never send the check. Well, it was because Discover Bank never sent the request to XXXX XXXX, they thought we were going to hand deliver the request to XXXX XXXX. After many more conversations with them, they said that didn't send the original request because it didn't have a truncated SSN. They never told me that before and NOWHERE on the form or on the instructions does it ask for one.
Consumer complaint received 2019-09-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (FL)

Last month XX/XX/XXXX. I went to InstaLoan to make a payment, and while making my payment they told me that I would have to pay for my title at motor vehicle at the end of the loan. Which is over {$100.00}. I asked them why didn't you tell me this before I sign papers for a {$700.00} loan, also the interest rate is in between 79 % to 105 %. I've been paying this loan since XX/XX/2018. I paid somewhere of {$1400.00} and now I still owe 400 +. and I went to make a payment today they changed their whole program now, instead of signing three or four different papers every month, now there doing something different on the computer, and now they're asking me for all this information they asked me when I applied for this loan. like how much money do I get from Social Security XXXX. I told them I am not going to tell you, I told you this in XX/XX/XXXX of last year when applying for this loan. and they got all upset and so did I and they threatened to call the police on me they wouldn't accept my payment. It seems to me I'm not allowed to ask any questions and that's all I did was wanted some answers! can you do anything about this I feel that they're taking advantage of poor people.