davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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. (NC)

Since XX/XX/XXXX of XXXX, I have been sending letters to XXXX XXXX and Equifax to let them know that I'm a victim of identity theft and I've noticed fraudulent accounts on my credit report. XXXX  is the only credit bureau that actually deleted the fraudulent account with XXXX XXXX XXXX XXXX for my credit report but it still remains on my experience and Equifax credit report so now I'm filing this complaint against Equifax and XXXX  so they can remove this fraudulent account on my credit report with XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-05-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (FL)

Correspondence was sent to NACS on  XXXX / XXXX /   2016 inquiring about a {$300.00} medical debt reported to  XXXX ,  XXXX  &  XXXX .  I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.
Consumer complaint received 2021-09-06
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (CA)

I have tried to dispute a late payment with the credit reporting agencies and have sent three letters into Sallie Mae. Sallie Mae does not respond. I have tried to call and they say I can not talk to anyone, I can only write another letter. This loan payment was never late as I was enrolled in school like my other loans Sallie Mae owned show.
Consumer complaint received 2017-09-10
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: WELLS FARGO & COMPANY (CA)

I am a victim of the recent Wells Fargo Fake account scandal. I have tried working with Wells Fargo to fix the issue and have had no success. They have no proof that the account belongs to me. 

I am now requesting that XXXX remove entries from Wells Fargo because Wells Fargo is unable to Prove any accounts ever owned by me related to my XXXX report. 

I am now requesting that XXXX remove Wells Fargo from my XXXX report. I have never been a customer of Wells Fargo. 

PLEASE COMMUNICATE BY MAIL ONLY IF YOU ARE READING THIS COMPLAINT XXXX And Wells Fargo Bank. Do not call please.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 2017-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Management Control, Inc. (TX)

I would like to address that a file being placed on XXXX/XXXX/XXXX is incorrect. They stated the sent notice as well on XXXX/XXXX/XXXX which is also incorrect. I have went ahead and have filed civil suit against Credit Management Control in XXXX XXXX, TX for violating FDCPA laws and FCRA. All items that were requested in my previous statement to the CFPB is request for full validation. I would like to remind this collector that by not completely sending all items requested constitutes invalidation of an account. Texas Attorney General also states that items if requested must be provided in its entirety. Also if this collection agency is not bonded in Texas to collect alleged debts, they are in violation of Texas statutes. Letter of bonding from the Texas Secretary of State dated before XXXX/XXXX/XXXX is also hereby requested with other documents requested. If this can not be provided than any alleged debt is considered invalid and damages will be claimed against collection agency. Alleged debtor never resided at any address associated with XXXX XXXX XXXX XXXX XXXX XXXX. The FDCPA and FCRA laws are very specific in which they state providing itemized bills/state meets are not valid proof of debt. Also matching information is also not valid proof ofor debt. Please send all 15 items requested in previous complaint. Also federal law does provide that request filed via mail, fax or government regulated portals such as the CFPB complaint portal are indeed appropriate request. No further request are needed. If this account is sold, transferred or reinserted on credit file with any of the credit bureaus, that will constitute fraud. Be very clear, at no time did CMC try to validate or give me the right to dispute. Therefore, the law was broken. They can not after the fact come to try and rectify this issue or do what the law required them to do in the first place. My desired resolution still stands and is non-negotiable. I will print CMC response to my complaint to be included in my petition for suit. If this account reappears with any credit bureau on XXXX/XXXX/XXXX or at anytime, I will then contact the attorney general and OCCC office to file complaint in which relief will be requested from CMC bonding agent. What this agency has done, is doing currently, and threaten to do is illegal and violates Texas and federal laws set in place to protect consumers. Furthermore, in addition to one account they have placed 2 accounts on my credit reports. No notice was sent for the first account about them re-inserting ( rebucketing ) the account back on my credit report. The second account, they neither sent notice dispute validity nor did they send notice of collection. CMC has not proved proof of validation they used to determine these debts are mine which the law requires them to do.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XXXX never wrote me or call me to ask me about this missing payment So on XXXX XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I made a cash withdrawal with my AAdvantage Mastercard from Barclays and they charged me a {$25.00} fee for the withdrawal. This is on top of the fee by the ATM 's bank. I understand that they have to charge a fee but this is 5 times the maximum that other companies charge. 
I attempted to address with them directly and sent a chat and an email on XX/XX/22 and they never responded. I called on XX/XX/22 and they told me that this is due to the amount of the withdrawal and the location because it was an international withdrawal from XXXX XXXX, XXXX XXXX. 
But, I've withdrawn money from my XXXX XXXX and my XXXX cards before and they both charge around {$5.00} for the transaction, so there is no earthly explanation why their cost is 5x higher. This is high-way robbery in my opinion. 
I requested they reduce they fee and they said it can not be done. I suggested they offer me a partial credit for {$15.00} towards the next billing cycle and they said no and that they could NOT escalate to a supervisor or another department. 
This is NOT about the money, it is the principle that they are charging such a high fee for a simple transaction on top of the airlines ' constantly increasing costs, decreasing amenities, limited schedules and options and after a massive taxpayer bailout.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have an inaccurate status on my credit report. I have tried disputing it several times with no prevail. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting my case 180 days past due. The problem is, I have not missed a payment in almost 2 years. The problem is with experian, and XXXX XXXX XXXX  XXXX XXXX XXXX. My job directly takes the monthly obligation out of my paycheck every two weeks per court judgement that was mailed to them when i first started working there. This is directly effecting my credit score and giving me a bad name.
Consumer complaint received 2021-04-21
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. 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 : 1. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. ()

This is the 2nd time I have had Navient do this to me, I did n't bother calling them this time because I basically get told last time " it is what it is, deal with it ''. They have notified me 2 months ago that they were taking over my XXXX student loan bill ( ONE bill around $ 8k with a 5.8 % interest on it. I have just looked at my Navient account this morning ( XX/XX/2017 ) and can see that they have finally shifted my student loan from XXXX to Navient and they have conveniently turned ( again ) my ONE loan at 5.8 % interest into FIVE DIFFERENT loans with 6.5 % interest on each! How is this legal? I got notification that they were going to take over my one loan at 5.8 % interest, never did they tell me they were going to change that one loan to 5 and tack on a 6.5 % interest to each!
As I said, this is the 2nd time they have done this to me. I finally was just able to get it almost down to 2 loans ( there is around {$500.00} left on one that I was hoping to pay off this month ) from 6 different loans with them from the last time they did this. I 'm really distraught at this point and crying for help.
I also now live in the XXXX which makes it terribly difficult ( and even more costly ) to send money as I have to send the money to my parents, pay them an additional {$20.00} to take that money ( their bank charges them ) and pray that nothing happens to them because XXXX forbid they have an accident, pass away, etc. leaving me unable to pay Navient who insist constantly making it more difficult for me to pay my loans.
I am near tears here, is there anyway you guys can help? I am not at all trying to get out of paying my student loans, I know I went to school and am happy to pay the loan back at a reasonable rate, but I feel like I am constantly being kicked down by these guys and their back-handed methods of trying to find more ways to get money out of me.
I really appreciate any help or advice that can be given. Thank you for taking the time to consider my post above and please accept my sincerest apologies for the long winded-rant. I just find this really distressing. I look forward to any sort of advice/help that can be provided.
Consumer complaint received 2017-09-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I received an offer over a phone call from American Express Credit Card agent, XXXX ( Employee ID number : XXXX ) on XX/XX/XXXX The offer is, I can get XXXX Amex Membership Rewards points if I add an authorized user and spend over {$500.00} within in 3 months. I met all requirements but have not received the MR points so far as advertised. I contacted the AMEX customer service and submitted complaints through chatting and phone numerous times. One of the  chatting reference number is XXXX. I even chatted with a supervisor onXX/XX/XXXX ( complain number : XXXX ) but It has been more than 8 weeks.
I never received any updates or response until I contacted and all agents keep saying generic answer that it will take 6-8 weeks.
Consumer complaint received 2021-09-06
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. (NC)

Since XX/XX/XXXX of XXXX, I have been sending letters to XXXX  Experian and XXXX  to let them know that I'm a victim of identity theft and I've noticed fraudulent accounts on my credit report. XXXX  is the only credit bureau that actually deleted the fraudulent account with XXXX XXXX XXXX XXXX for my credit report but it still remains on my experience and XXXX  credit report so now I'm filing this complaint against XXXX  and Experian so they can remove this fraudulent account on my credit report with XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-06
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc. (AL)

This is my second complaint. 
They never addressed the issue that they violated my personal privacy by telling my ex husband whom I'm in the process of a divorce with everything about a check sent in the mail. 
It was all relayed to him in turn he told his attorney about this information. 
They clearly violated my privacy buy telling my personal information to somone other than myself especially someone fighting me with a divorce. 
I called and asked why they did that and the lady said she would have a meeting about discussing personal matters. But clearly that is the least of their worries. 
They are denying it when I have proof from my ex husband and his attorney.
Consumer complaint received 2021-09-06
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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX XX/XX/XXXX : Account number : N/A, Inaccurate. 
XXXX XXXX XX/XX/XXXX : Account number : N/A, Inaccurate. 
Unauthorized Inquiries I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2016-08-24
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: State Collection Service, Inc. (AZ)

These people call using blocked numbers and play like they have established an agreement with their victims by having their robot talk to voicemail. 
Then when I get their address and send them the information notifying them that their " alleged client REFUSED to follow procedure and submit a request to XXXX in Colorado, they wait 30 days and then start in with their harassment.
Consumer complaint received 2020-07-11
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: Experian Information Solutions Inc. (MO)

I have tried several times to dispute accounts with the 3 credit bureaus. The accounts in question were reported incorrectly and some do not belong to me. Each time I have disputed the results are the same-no change, and they stated that the information is verified, however, I have personally emailed and even spoken on the phone with the CEOs or their assistants to get information on the accounts in question. After their investigation, which took days of research, they told me they are able to find the accounts in question and that there is not even any proof that I had accounts with them. So I can not understand how these credit bureaus can claim to verify information that the CEOs themselves can not validate. I have never received proof that these accounts are mine or being reported correctly. It is frustrating when these credit reporting agencies hold your financial life in their hands and they can not be trusted to do what they are there to do. The accounts in question are : XXXX XXXX XXXX- Account was opened XX/XX/XXXX and closed XX/XX/XXXX It had a credit limit of {$200.00} ( no account # listed on all 3 credit reports ) XXXX  XXXX XXXX- Account opened XX/XX/XXXX and closed XX/XX/XXXX. It had a credit limit of {$600.00}. No account # listed ( XXXX   Only ) XXXX XXXX XXXX Account opened XX/XX/XXXX and no mention of when it was closed. Last activity was XX/XX/XXXX with a high limit of {$1000.00} and a balance of {$0.00}. No account # listed. ( XXXX  only ) Rise- Account opened XX/XX/XXXX and closed in XX/XX/XXXX High balance of {$1500.00}, no account # listed ( XXXX  and Experian ) - Sent to collections XXXX XXXX I have disputed several times with no validation sent to prove this is my debt. ( All 3 bureaus ) XXXX- No account number listed. No mention of dates opened. No proof sent to me that this was my debt or why it is in collections. I have disputed several times. ( All 3 bureaus )
Consumer complaint received 2017-08-21
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. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #