davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MO)

On XX/XX/2023, I mailed a letter to Consumer Adjustment via USPS mail, requesting documentation about account number XXXX because I was trying to verify if the account had actually been re-aged. 

To this date, I have not received any mail in return about the account and I do not know how to go about getting the details. To my knowledge, this account is inaccurate and older than 8 years and should no longer be reported unless this company has re-aged the debt to collect and report a balance that I do not recall. But without the documentation, I am at a loss. 

Consumer Adjustment is willingly violating my rights by ignoring my request and possibly violating my rights again by re-aging this account.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I opened a dispute with Equifax because of issues with their dispute decisions on accounts that were opened in my name. The accounts in question literally were opened when I was very much so under the age of XXXX, its not even possible for me to have opened these accounts but theyve told me that these have somehow been verified.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Diversified Consultants, Inc. (PA)

I have been disputing this account with the credit bureaus and directly with the collection agency. They Never sent me a notice of my right to dispute the debt under 15 USC 1692g. They only finally responded when i started to dispute the debt. They also continued to contact me even after i sent them a certified letter telling them not to contact me.
Consumer complaint received 2020-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MO)

On XX/XX/XXXX I was served for payment on a credit card from XXXX the petitioner was midland funding scaring me into paying options I lost my job awhile afterwards and I could not make payments they were notified I have recently received a notice from the law firm XXXX XXXX XXXX from a XXXX XXXX XXXX saying my wages will be garnished for this debt from midland funding. I was never notified prior to this saying this was going back to court and never had the opportunity to appear to defend myself against this issue. I feel I am being harassed and in stressful situation. Im single woman my income is all I have to live. This is a 14 to 15 year old debt from the days of my divorce.
Consumer complaint received 2018-08-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I am a first time home buyer. I have been shopping around with some banks. Yesterday, I received a fully executed contract and my partner asked for me to check out some rates ; and I XXXX it. 

The first place I registered with was with Quicken Loans, and I received a call within seconds. It was a woman saying, i'm from Quicken Loans. Next thing I know i'm passed to another person ; and he starts to pitch me. Within minutes he processed my credit and I had never consented to this. I just wanted to hear what rates they are quoting today for me to chose where I would like to lock in my rates with. 

This is such a sensitive matter b/c running my credit impacts my score and I need the highest score possible score to get the lowest possible rate. I am so XXXX upset because I had no idea what was really going on and I worked in finance for most of my career. As soon as he told me my credit score I was like : " wait, you ran my credit? '' Whatever quicken loans is doing is so predatory and it needs to change.
Consumer complaint received 2018-08-17
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)

Equifax has inquires that I never authorized on my credit file. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

LexisNexis complaint XXXX. Written response from lender.. Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify identity Your Right to Get Your Consumer Report In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. What it all boiled down to was this... .everything and I mean everything already passed underwriting! You may not get that now but that is the facts.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

This concerns the XXXX XXXX Visa card. 

To reserve some cash for a summer vacation, I paid {$5000.00} out of XXXX on a monthly bill in XX/XX/2018. This left a balance of {$2200.00} that carried over onto the next month 's bill. At the end of the  following period, I paid the statement balance in full. For the first month I was charged {$58.00} and for the second month -- the month for which I paid the entire statement balance -- I was charged {$120.00}. This means I effectively paid 8 % to carry a balance of {$2200.00} for one month on a card for which I only have a 16.99 % APR. There is no clear way to understand this on their terms and their explanation only confused the matter. I tried to clear this up with Citi on XX/XX/XXXX to no avail.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I'm writing in reference to my son 's checking account that I am on as authorized user with Wells Fargo. My son whom is XXXX yoa just graduated from high school this XX/XX/XXXX had his wallet stolen. I am very displeased with how WF has handled this case. My son 's account was comprised by thieves and now he is currently being punished for others crimes. I have called and written several times that my son nor I have authorized ANY transactions that occurred on XX/XX/2018. The transactions occurred online, ATM, and in a branch. Also, the locations of these transactions are over two hours away from where we live. I have requested repeatedly to have footage pulled to show fraud was committed. As well as look at the account history to show never have so many transactions occurred in one day.

Clearly WF should be able to tell that more than 5 transactions occurred from opening of two checking ( ending account # XXXX ) and savings accounts ( ending # XXXX ). These individuals were depositing, transferring, and withdrawing funds before anyone could catch this. Also, it was proven that checks were deposited with irregular signatures as well as third party names. None of those checks were written out in my son name or mine. Now the account is in negative status of over {$1500.00}. I have tried to handle this situation myself, but it seems I have not been able to get a fair resolution and being that WF does not believe or trust their own customers in trying to explain that we have been victims of financial fraud. It is evident that this day in time thieves are able to hack into someone personal business and life and destroy it and this is the case with our account. I have attached documents to show all the transactions that occurred on XX/XX/2018 as well as the checks that were deposited.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MA)

I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (IL)

Per the FCRA, furnishers are supposed to report/provide the date of delinquency for accounts placed for collection, charged to profit or loss, etc. Per the attached consumer report, XXXX XXXX  XXXX account does not list a date of delinquency. It says that " this account is scheduled to continue on record until XX/XX/2022. '' This alleged account, is still showing on my consumer report. The date is XX/XX/2022. Delete this immediately. Experian is in violation of my rights as a federally protected consumer.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have been fighting with Experian and XXXX to report proper history for 3 student loans that they continuously report late for months that were in forbearance. My wife contacted the student loan people directly and they confirmed there should be NO late payments reporting for the year XXXX, XXXX nor XXXX and if one call can confirm this why haven't either one of the companies made that call or even asked for the paperwork? I have been working on this since XXXX and have yet to get them to fix the mistake.
Consumer complaint received 2022-03-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I had tried to open an account on coinbase over 2 years ago ( approx XX/XX/2020 ) over the XXXX holiday. I spent many days trying to " sign up ''. In summary, I was completely frustrated and never got any support whatsoever. I went through the steps ( Pictures from my phone etc ) to authenticate myself multiple times and I believe I have {$50.00} in a wallet. There was never a reply from support, no way to get to the wallet ; no reply from Coinbase other than emails describing an attempt to log in and it never happens ( never any success ). There is no need for this type of treatment as a customer and WHY am I receiving more emails from Coinbase just to frustrate me further? I have filed a complaint with XXXX but it shows they have an " XXXX '' grade so not expecting any follow-up there. The person at XXXX  XXXX XXXX : XXXX XXXX Dispute Resolution XXXX XXXX XXXXerving the XXXX XXXX XXXX XXXX and Northern Coastal California XXXX XXXX referred me to file a complaint with you. 

XXXX, I've sent multiple letters to the CEO without any reply. I mailed the letters from mail-a-letter.com
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (IL)

I recently made a payment for my discover now credit card. When I was making the payment I noticed that I was 2 days late in making the payment. The thing is, I never go a reminder on the due date of my next payment. If I knew, i would have paid it. I recieved no letter nor email. I will like to fix this before being penalized for my lack of knowledge. Thanks
Consumer complaint received 2020-02-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My car was repossessed XX/XX/20 The creditor told me I have till the XXXX of XXXX to fax a paper and give them XXXX and they extend my contact 2 months. Today XX/XX/20 I went to go pay and fax over my things to pick up my car which was 30 mins away since the XXXX it been gone and I was never notified my car was going to Jersey.Repo tells me they claimed my car and took it like 200 miles away and now the auction place is saying I can't have my car but I have to pay transportation parking and they made a key for my car. How am I responsible if my car not supposed to be sold until XX/XX/20. they rushed it and someone somewhere is violating my rights. People shouldn't be treated like this. At least be fair.
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (SC)

I have reached out to XXXX XXXX XXXX  about account XXXX opened XX/XX/XXXX for the amount of {$300.00} with a current reported balance of {$480.00}. I contacted them in writing on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX about this account being a fraudulent account. I sent a copy of my police report, Identity theft affidavit along with copies of my license, and social security card. I have not received any documents or any correspondence back form this company. This is in direct violation to the Fair Credit Reporting act.
Consumer complaint received 2018-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed.

Please resolve this matter as soon as possible. 
Thank You.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/XXXX I opened a card with AMEX under the Platinum services. The agreement was that me, the customer, was to spend {$5000.00} within the first 3 months and if that is accomplished I would receive XXXX membership rewards points. On XX/XX/XXXX I called AMEX to downgrade my card because I wouldn't be using it for its purposes. In doing so, my rewards were downgraded as well. Thus it was agreed over a phone conversation that I would need to spend {$4000.00} in order to achieve XXXX points. Today, XX/XX/XXXX I have not seen any points updated on my account to reflect what I have already spent. As of today I have spent over {$4200.00}, of which has been paid in full and on time and include {$550.00} in annual fees, and only have XXXX points. I have contacted AMEX on XX/XX/XXXX and XX/XX/XXXX. There has been an escalation with XXXX ' attached for reference. I have also since called and online chatted with customer service representatives who give me different answers as to when my situation will be resolved. Some say within a day and others say 6-8 weeks. My concern is that my time period of 3 months will be up and therefore I won't receive anything at all. I have been a customer with AMEX since XXXX and have always paid my balances in full and on time. I feel slighted.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America is still reporting that I am delinquent with them when they no longer own the debt and sold it to another company. I have no account or contract with them but they are still reporting. I have asked for verification numerous times in writing to get none.
Consumer complaint received 2020-09-12
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. (FL)

I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. 

Per Section 604 of the Fair Credit Reporting Act ( FCRA ),  all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a  consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i ). 
XXXX / XX/XX/2020 *XXXX - XXXX XXXX / XXXX XXXX *XXXX - XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020 XXXX XXXX / XX/XX/2020 2020
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

AWA is trying to collect on a debt, that was initially settled prior. In agreement with original company XXXX XXXX XXXX. This is a XXXX XXXX. In which, account was suppose to be an {$500.00} pay-off at the Primary account holders time of released ( 2018 ). 

It was agreed to pay two payments of {$250.00}, that was paid prior to collections. In addition, I was not suppose to be the co-signer of this bond. My bank information was only suppose to be used to pay this debt/bond in full at the time of service. Furthermore, this bond is on a case that was never committed or fault, or guilt. 

XXXX XXXX XXXX and AWA Collections. Refused to acknowledge such agreement. I feel my rights and personal information was used to furnish this debt/bail and that original company completely mishandled, mislead, and fraudulently obtained my information. If In fact, I legally owe this. I am requesting the right to properly dispute. As again, I was unaware of such matter.
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I reached out to Equifax because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.
Consumer complaint received 2020-12-16
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. (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that two of the accounts that are in my credit report don't belong to me, and it came back with a different collection this time, the collection name for the alleged debt with XXXX is XX/XX/XXXX XXXX, and so I ask to please stop further collection activities and remove the account from my EXPERIAN and XX/XX/XXXX credit report. Also XX/XX/XXXX I personally don't recognize this account, the account doesn't belong to me and this is reporting on the three credit bureaus. I've already tried to remove these accounts with them and they refuses to take them off.
Consumer complaint received 2022-02-07
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: AES/PHEAA (NJ)

U.S. Department of Education sold my information to Fed Loan and Fed Loan sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.