davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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. (AR)

In XX/XX/2018 I disputed an inaccurate item with Equifax Credit reporting company. Equifax did the investigation and replied back as the account was verified. In XXXX I disputed the inaccurate account WITH EQUIFAX AGAIN THE ACCOUNT which is XXXX XXXX # XXXX and they replied back as verified again in XXXX On XX/XX/XXXX I sent in another certified letter to Equifax I have copies of the mail receipt that I sent the letter certified to Equifax,, The letter was METHOD OF VERFICATION. I ASKED EQUIFAX TO SEND ME THERE METHOD OF VERFICATION SO THAT I CAN SEE WHO AND HOW THEY VERFIED THE ALLEGED ACCOUNT, ,BY LAW AND PER FCRA I AM ENTITLED TO SEE THE METHOD OF VERFICATION AND HOW THE VERFICATION PROCESS WAS PROCESSED. ON XX/XX/2018 EQUIFAX COMPLETED THERE INVESTIGATION AND FAILED TO SEND ME THERE METHOD OF VERFICATION,,, HOW ARE THEY verifying THESE ACCOUNTs with the creditors and me as the consumer cant get the copies and or information on there method of verification,,, Equifax has violated the law, has violated my rights as a consumer ... On XXXX all Equifax sent me by mail was the account was modified,,, I asked for the METHOD OF VERFICATION WHICH I AM ENTITLED TO. I HAVE COPIES OF THE LETTER THAT I SENT CERTIFIED TO EQUIFAX ON XX/XX/2018 THEY RECEVIED MY LETTER ON XX/XX/2018 AND HOW IS IT THAT EQUIFAX CANT AND DIDNT SEND ME THERE METHOD OF VERFICATION,,, I AM GOING TO FILE A SMALL CLAINS FOR THE NON COMPLIANCE,,,, OR DELETE THE INACURATE ACCOUNT OFF MY FILE. EQUIFAX IS NOT FOLLOWING THE FCRA RULES,,, YOU FAILED TO SEND ME THE METHOD OF VERFICATION WHIH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT 611 ( A ) ( 7 ) MY LAST AND NEXT STEP IS SMALL CLAIMS FOR VOILATIONS AND NON COMPLIANCE OR DELETE THE INACCURATE ITEM OFF MY CREDIT FILE
Consumer complaint received 2020-07-31
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. (VA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US BKPT CT VA XXXX, U.S. Bankruptcy Court
Consumer complaint received 2023-08-11
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. (GA)

I have not supplied proof under the doctrine of estopper by silence, Engelhardt vs Gravens ( mo ) 281 SW 715, 719,1 presume that no proof of alleged debt, in fact therefore exists.
Consumer complaint received 2019-04-09
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. (ND)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AE)

I have a Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the XXXX under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit XXXX forgiveness because the XXXX of the United States signed a law that allows for these loans to be split and also forgiven under the XXXX program. XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, XXXX  in early XXXX. When I contacted XXXX, the new servicer, the company ( XXXX  ) stated that MOHELA XXXX XXXX. The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the XXXX signed last fall. I also want my portion of the loan forgiven through the XXXX program since I have met all the requirements for this. I have been serving in the XXXX XXXX since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Bank occurrence : Emil received " Your available balance reached or dropped below XXXX XX/XX/XXXX. 
Phoned bank fraud number to report bank account opened under my profile. The fraud account was opened with a Different but similar, name, address. Different drivers license.

Fraud dept said my fault because I have 4 other account so bank not responsible to keep another account safe. Fraud said will inform 1 credit company and other 2 will be contacted. Did not happen. Called Fraud dept again with different person, want fraud activity on my accounts. Each Fraud dept gave me different claim number. Fraud dept said my social security has been stolen and is on the dark web and get another social security number. Changed user name and password. Password last changed in XXXX. 
Received XX/XX/XXXX all email Delivery preference changed. Never authorized.Called Fraud dept XX/XX/XXXX. Fraud dept said I should go to no online banking and visit branches and write checks by hand and use mailbox for delivery. Each time contact bank is over 1 hour, given 45 day time frame, 30 day time frame. XX/XX/XXXX email received Line of business executive office with case number. XX/XX/XXXX email Account closure notice all accounts closed by XX/XX/XXXX. XX/XX/XXXX received in USPS debit XXXX  in name and address similar to mine but NOT my profile information bank has. XX/XX/XXXX went into branch location. Closed 1 of four accounts as email requested but only to close ONE account for I need more time to move other 3. BRANCH MANAGER REFUSED CASH TO CLOSE ACCOUNT. Banker wanted my name to appear as the FRAUD account name on cashiers check. Not the name on MY ACCOUNTS. Had to take cashiers check. Not agreeing but no other way to get cash till it first receive a cashiers check. Branch manager emailed higher level in bank of my complaint and on phone. REFUSED to give even first name of person who she had to reach on telephone. WAS TOLD I HAVE TO HAVE A POLICE SUBPOENA TO GET WHO WHEN HOW WHY NAME DRIVERS LICENSE ON MY FRAUD ACCOUNT THAT WAS OPENED. No clue how to do this. Bank NEEDS TO PROVIDE THIS BASIC INFORMATION. Bank accounts was opened over 32 years ago, now being thrown away over their fraud. I notified all 3 credit companies with fraud alert and fraud. This is good only for 12 months. My credit has been frozen for years. Need credit protection to be paid by bank for 5 years. Manager said ONLY WAY TO HAVE FRAUD ALERT ON MY ACCOUNTS I HAVE TO HAVE THEIR BANKING APP ON MY PHONE. I refuse to have any app on my cell telephone that is any way related to MONEY. I do not approve of the fraud or way it has been handled by the bank. Bank failed me repeatedly.
Consumer complaint received 2019-04-09
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. (ND)

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX XXXX account and 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3, 4, 6, 7, 8, 9, and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX XXXX XXXX said I asked for a loan from XXXX and XXXX XXXX  a day before I found out my address been changed cards issued out and the one I closed I had seemed overc20 cards and told me they was not real cards.they refuse to cancel online access and telephone access cause I can still use my phone number to gain access to my account and the day before my two step had been removed then could not verify but called back and it was
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have reached out to Equifax on several occasions in reference to a bankruptcy that they have listed on my credit report. They are telling me that the information has been verified as accurate but have not sent me any on the documentation to back up the findings. The other two credit bureaus do not have it listed at all so I am so confused on how it is accurate if they are the only on reporting.
Consumer complaint received 2023-08-11
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. (MO)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.
Consumer complaint received 2019-04-09
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)

I filed Chapter XXXX bankruptcy XX/XX/XXXX. I received my discharge XX/XX/XXXX. XXXX and Experian are repeatedly updating certain accounts with close dates after bankruptcy discharge. I have sent disputes with copies of my Chapter 7 filing, the discharge, and copies of my reports detailing the errors. Each time they update the accounts closed date with the dispute date. This is causing my Bankruptcy discharge to appear as if it just occurred. Additionally, a recent dispute with XXXX has resulted in them attaching my discharged bankruptcy to accounts that were closed preceding my bankruptcy, and were not a part of my bankruptcy. According to my Bankruptcy attorney, the file date places an automatic stay against collection or reporting further of the debt. 

The last disputes I filed with XXXX  and Experian were XX/XX/XXXX ; XXXX  has responded and Experian has not. 

I have attached all documentation, as well as the dispute letters.
Consumer complaint received 2019-09-18
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. (SD)

This is a " repeat '' of my CFPB complaint that I filed on XX/XX/XXXX, Case # XXXX, which took Equifax 9 months to correct as evidenced by my Equifax Credit File Report I received on XX/XX/XXXX, Confirmation # XXXX. The SAME error, wrong PMB #, appears in my current Equifax file which has now caused myEquifax account to be " locked ''. The wrong PMB number being reported belongs to a person whom has the same name as me. Note : My spouse, whom has the same address as me is unaffected since the error does NOT appear in her credit file. As a result, I am unable to temporarily lift my " credit account freeze '' which may now cause me to suffer a significant financial loss. I called the Equifax customer service number on XX/XX/XXXX and spoke with two overseas representatives, one a  supervisor, for 33 minutes with no resolution. On XX/XX/XXXX I spoke with five USA representatives, whom two were supervisors, for 85 minutes with no resolution. Additionally, Equifax representatives informed me there is now a " new '' incorrect address regarding the last digit in my PMB number. Supposedly, a correction is being submitted to correct this latter error, but I am still unable to lift my credit account freeze because Equifax is reporting the same error in my address that they eventually corrected per my XX/XX/XXXX CFPB complaint.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (MA)

I closed my XXXX XXXX with 1st National Bank of Omaha XX/XX/XXXX. 
XXXX XXXX mag made a subscription renewal XX/XX/XXXX. The Bank reopened the account. I called the mag to reverse the charge. They could not refund to the credit card as the account was closed. They sent a check to me. However, this took a billing cycle and I thought the charges would be reversed and I did not pay the bill. 
Other banks decline auto renewals and I get an email requesting I update my billing info. 
This cant happen. How am I supposed to monitor every credit card I have cancelled to make sure they dont reopen them? 
I have wasted hours calling the bank, put on hold, no real resolution. 

I closed the account. They opened it. They are now charging me interest on an item I did not get.
Consumer complaint received 2019-04-09
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. (CT)

There is an inquiry from XXXX XXXX XXXX and the inquiry from XX/XX/XXXX. I have never applied for a XXXX XXXXXXXX Credit card. I spoke to XXXX XXXX multiple times and even filed a dispute with the major 3 credit companies, they said it was fraudulent and XXXX XXXXl would need to take it off my credit report last Fall. As of Spring XXXX it is still on my report.
Consumer complaint received 2019-04-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WI)

I have filed a complaint in the past regarding Wells Fargo utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because Wells Fargo would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with XXXX XXXX XXXX XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 

Between Wells Fargo and XXXX XXXX XXXX, I have incurred more XXXX issues and feel this is Wells Fargo retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of Wells Fargo and now XXXX XXXX XXXX.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2024-02-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NC)

I hope this letter reaches you in good health and spirit. The reason for my letter is Im want to set up my payments on autopay with my credit card. I was told by the manager XXXX at XXXX I would be able to so others must be able too. I feel discriminated against because Im not able to set my account up on autopay for my {$130.00} payment to come off my credit card. My credit is great and I have always paid my bills on time. It shouldnt be no reason why I can not set up my account on autopay using my credit except that your discriminating against me. This needs to be fixed its not fair for others to be able to use their credit card and Im not able to thats very discriminatory. Can you please fix my account? Thank you very much for your time. Have a wonderful day and please continue to be safe.
Consumer complaint received 2019-04-09
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. (CT)

In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX  XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I XXXX XXXX am trying to get out of a huge amount of debt without filing for bankruptcy. I have requested a cease and desist from constant calls and email 's from Capital One on two accounts that amount to {$1700.00} in debt. The accounts are near charge off standards at 120 days late. Therefore, I respectfully request any settlement offers to come to me through my email address, or by regular mail. I will do everything I can to settle my bills and avoid bankruptcy, but I will file bankruptcy if necessary.
Consumer complaint received 2019-04-09
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Services, Inc. (OH)

NCS National Credit Service is attempting to try to collect a debt that has been deleted from my credit report. XXXX XXXX  XXXX XXXX account number # XXXX has been deleted from my credit report. The original Lender was XXXX XXXX and that was also deleted from my credit report. My consumer rights have been violated and I do not want this debt to continue to be sold when it has been deleted from my credit report. XXXX is attempting to try to collect on the same debt. Navient former name is XXXX XXXX and the XXXX XXXX debt has been deleted from my credit report. XXXX is claiming that I owe XXXX.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (OK)

My mother has credit card debt and is in the process of filing bankruptcy. 

Northstar Location Services has called me repeatedly using the number XXXX. I have repeatedly told them to cease contact and they continue to call me. A record of their calls to my number XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call There is at least one other instance, however I have cleared my phone prior. 

These are the calls I am personally receiving. My mother receives multiple calls on a daily basis and is afraid of the company calling her work number. A coworker of hers has received calls from the same company at their work number. 

The company has progressed to not only calling myself, but also my brother ( who did not know nor needed to know our mother is filing bankruptcy ) and has also called his father. For the record, his father is our mother 's ex husband and they have not had contact in nearly a decade. Thus, he is not family. 

These calls have become harassment.
Consumer complaint received 2023-08-11
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. (FL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.