davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (NV)

XXXX XXXX XXXX has acknowledged that they incorrectly billed me {$260.00} for account number XXXX. However, XXXX XXXX   ( FCSI ) continues to try to collect this amount on XXXX XXXX XXXX behalf even after being notified and shown a letter from XXXX XXXX XXXX stating that I do not owe the amount. FCSI has fraudulently reported the debt on my credit report causing my credit score to go down by 16 points.
Consumer complaint received 2022-04-29
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: National Credit Adjusters, LLC (PA)

Tried to remove two collections that do not belong to me on my credit report In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 setion602 states I have a right to my privacy 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15B creditor may not treat a payment on a credit card account under an open-end consumer credit pla
n as late for and purpose
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (MO)

On XX/XX/2023 by account was emptied in less than an hour. A total of 24 out of 39 transactions got approved for the amount of {$2000.00}. None of the transactions were made by me. Among the transactions there were 9 scooter rentals, 10 restaurants and a XXXX transaction for {$1200.00}. I realized that this happened within two hours when my card got refused at a gas station.I called right away and I was told that I had to wait for the transaction to be officially authorized, at the time there were in pending status. On XX/XX/XXXX some of the transactions went through and I opened a dispute over the phone. On XX/XX/XXXX, I was told that I do not need to open another dispute for the rest of the transactions that went through. On XX/XX/XXXX, I submitted the dispute form with all 24 authorized transactions. The dispute was denied and I was not notified. I called on XX/XX/XXXX and was put on hold 3 times for about an hour each waiting to speak to a supervisor. I was requesting information on how to file an appeal and how to communicate in writing in a timely manner, not just over the phone. The customer service representatives did not know how to send the denial letter with the information in it. I spoke to somebody named XXXX that stated that she would put notes to request detailed reasoning for the denial and that will take another 90 days before me possibly getting my money back.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, and XXXX to reinvestigate this accounts : Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2022-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (AE)

In accordance with the fair credit reporting act XXXX XXXX # XXXX Dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act Capital One # XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USCN 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I filed a complaint about Wells Fargo. We have repeatedly sent all required documents documents for help during the pandemic which they say they never received. I was assigned a person who absolutely had no idea what she was doing. She never returned phone calls, she was never available. I filed another report through here reporting that person. And surprise my case was assigned to the same person who I complained about and continued to do absolutely NOTHING. I then filed a complaint through the office of the president I spoke to a woman XXXX. She assured me she would get to the the bottom of it. My case was then assigned to a women who NEVER gave me an extension to even get in touch with her. Today she called me to inform a letter was going out to me with them very good information " good, good good " information. Meanwhile no number to call her back. So I redialed my caller id and it's just a basic Wells Fargo number. She then called me again apparently it's protocol to call two times again leaving ABSOLUTELY no call back number. I get home from my husband having XXXX  XXXX to a XXXX XXXX package in my door telling the date has been extended to research all the issues. While all this was going on someone within Wells Fargo took it upon themselves to open a fake checking account in mine and my husband 's name. So I now had to contact fraud and file a police report. It's amazing how we were fraudulently sold a product to help with payments when my husband missed work. Fraudulently had bank accounts opened in our name. Filed complaint and the contacts never gave call back extensions. And this government agency which is just as much as. A joke continued to extend their time to " research '' everything. This agency is shameful, Wells Fargo is shameful and the person who " researched this '' yet could never give me an extension to get in touch with her is shameful, XXXX who works in the office if the president who promised to be in continued contact with me is shameful because she never called me once. The for letters of " research extensions " along with this last XXXX XXXX one is shameful it just gives everyone more time to figure out this lies. I can't wait to receive this letter of " good good lots of good information '' on there. Shame on you wells Fargo. Shame on this reporting agency. How about if you work for the office of the president and you say you will call someone back you do that. Or how if you are assigned a case you leave an extension so I can contact you. What a joke. I can't wait to take this story to my local news.
Consumer complaint received 2021-11-09
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. (AR)

There is an inaccurate account that is reporting to my XXXX and Equifax credit report. I sent a letter via standard shipping on XX/XX/2021, and I have yet to receive any explanation of this unknown account. This agency is in violation of the U.S. Fair Credit Reporting Act by failing to respond within 30 days. I am asking for proof of this debt or remove this account from my report. I also tried to submit a dispute for XXXX online and received an error message being that this dispute is in process. This dispute should be over. Remove the following account Account : XXXX  XXXX XXXX Amount : {$360.00}
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this PDQ SERVICES ( Original Creditor : XXXX XXXX  XXXX AKA P ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-04-29
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2014 {$1200.00} I have contacted the company but they have not given me a resolution
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have a citibank credit card with me for past 7 years, and always use auto-payment to pay balance. end of last year ( 2018 ), I didn't use the card for several months, then the Citibank removed my automatic payment without my permission. Then when i use the card again but didn't note that there is no auto-payment. It causes several moths ' late fee, Citibank also reported it to credit bureaus and cause my credit score dropped almost 200 points. 
Citibank should not remove my auto-pay setting without my permission, that's the reason causes the late fee and my credit score dropping. Citibank should correct the mistake to help me get the credit score and late fee back.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my 2nd complaint to the CFPB regarding TransUnion 's ability to dispute items online. Since I'm unable to initiate my dispute through TransUnion, I'm submitting my dispute through the CFPB. There are three new collection items that have been added to my credit file that should've all been included in my chapter XXXX bankruptcy filing : Account name XXXX XXXX XXXX   Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX XXXX sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from XX/XX/2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.
Consumer complaint received 2018-10-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma (NC)

Credit Karma is reporting my home property value by others inquiry without my consent. 

It is violation on the part of the agency to list price of my property market value by annuity by others without verifying the inquirer is the owner of the property. 

This is in inappropriate business practice
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is in regards to Transunion, XXXX and XXXX Credit Bureau. I've submitted 4 disputes with these Bureaus about inaccurate data being allowed in my credit report even after disputing. I also included sections of the FCRA citing how they are required to report correct data and to delete inaccurate data. This data has been in my report for years and now Transunion, XXXX and XXXX need to comply with the FCRA. 
The accounts are : XXXX. XXXX XXXX XXXX Late payments with erroneous rating key. Stating 90 days late for XX/XX/2018 but Ok=current for the three months prior.

2. XXXX XXXX collections accounts ( 2 ) allowing reporting of a higher balance original than the creditor amount. Having a past due balance and at times a monthly past due as a collection. 
XXXX. XXXX XXXX disguising as a new creditor and reporting an open new account. 
XXXX XXXX XXXX XXXX XXXX XXXX & # XXXX as open accounts with a past due and monthly past due as a collection. 
XXXX. XXXX reporting a balance 100 % over the original credit limit ; has a past due balance and at times reporting monthly past due. 
XXXX XXXX XXXX XXXX XXXX disguising as a new creditor with an open account. Balance higher than original creditor amount ; past due balance and at times reporting a monthly past due as a collection. 
7. To delete all negative remarks- as its not a true reflection on their erroneous reporting.
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (VA)

After MULTIPLE errors with managing my escrow account on my mortgage I called Navy Federal to request removal of escrow. I can not trust them to understand the difference between an increase or decrease, addition or subtraction, so I surely can not trust them to pay my bills for me. 

During the first phone call I was told that I was not eligible for an escrow waiver because FHA loans do not allow for it and that it was in my loan disclaimers. I got off the phone and found this to be a LIE ( big surprise ). There is NO rule that FHA does not allow for escrow waivers and it is NOT indicated anywhere in my loan documents ( yes I read them all ) that my loan is not eligible for escrow waiver. 

I submitted in writing a formal request for escrow waiver. I was told I would receive a response within 5 business days. On day 6 I got a call that from a Navy Federal agent which was completely inaudible, so I called in to the contact center. I was told that I had received the Escrow Waiver and instructions on everything were in the mail. ( The first time in MONTHS Navy had done something right ). 

Then this morning I get a new message from Navy Federal with the letter that was put in the mail attached to it saying I was DENIED for the escrow waiver. 

This company does nothing but lie and can not provide ANY proof that a consumer was informed prior to agreeing to a loan that escrow waiver would be denied on my loan type. This equates to deceptive loan practices and they need to be sued by the government.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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 XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-29
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. (TX)

In accordance with the fair credit reporting act XXXX  Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-08
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 am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$190.00} ARS XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}
Consumer complaint received 2024-02-03
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: Experian Information Solutions Inc. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXXXXXX XXXX XXXX Balance Owed : {$96.00}
Consumer complaint received 2022-04-29
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2023-02-27
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. (MD)

I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. 

Equifax- [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-11-08
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CT)

The problem that Im having is that I tried refinancing my student loan back in XXXX and I did everything in my power to sign whatever paper work I had to. I was told not to make a payment and I would be fine, the worker at XXXX XXXX went ahead and made the mistake of not putting the paper work through. So now it looks like Im late on my payments because of XXXX XXXX mishap. Ive did what I could and have gotten absolutely nowhere I just want some kind of resolution at this point. 
Also when I looked at my account it said that everything was XXXX and I was told that it was written off.