davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Sometime is XX/XX/XXXX I was contacted by a representative who immediately asked me for my last 4 of my social, and told me they could not tell me what company they worked for and why they were calling unless I gave the last 4 of my social. I reluctantly gave my last 4 and then was told the representative worked for Enhanced Recovery Company, and were seeking to collect a debt of {$400.00} from a random address I had never lived in or been to. I stated that to the representative 3 separate times when she asked about the address and I had proof that I was residing in a completely different part of the county at the time. I told the representative that the account was fraudulent and needed to be removed from my credit report. Representative agreed that the account was fraudulent and that they would look into it and have it removed. Not a single call since then, but the company is reporting every month or other month to my credit report and it is effecting my score TREMENDOUSLY. This company did not have any of my information correct, had no social security number until I provided the last 4 digits, and told me it was going to be removed for being fraudulent. I want Enhanced Recovery Company removed from my report
Consumer complaint received 2021-11-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX  XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) XXXX
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (IN)

I used to have a Wells Fargo account. Stopped using them bc of their poor quality of service. I recently received a letter in the mail regarding a refund check that was mailed to my previous address last year. A few excerpts from the letter : " ... we would like to ensure you received the refund for x amount ... '' And " if you did not receive the check, please contact our office at the number below and we would be happy to reissue your refund ''. I called first at the end of XXXX and then again mid XXXX after not receiving the new refund check that they promised to reissue on both occasions. I called again today ( call # 3 ) and this time, they mysteriously couldn't find my information at all and would " call me back ''. 

I do not have any hopes that they will ever call me back, considering that the issue was supposedly resolved the first time I called back in XXXX. 

According to XXXX, the " supervisor '', they would " investigate '' and call me back. Ha. He also " didn't recognize '' the Wells Fargo customer service number on the letter which I used to call to get in contact with him ( after being transferred several times ). This company is a joke. As far as I am concerned, they are guilty of theft for not reissuing the check for MY money. My only guess is that they are stalling and dragging their feet until the " applicable time period '' is up so they don't have to give me my money. Clearly, they are not happy to reissue my refund as they previously stated
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (SC)

I was notified by my credit report that I was behind on a payment and that my score was suffering because of it. After investigating I come to find an account on my report that was not opened by me. A XXXXXXXX credit account was opened under my name on XX/XX/2023 with a credit amount of {$XXXX}. The account is issued by XXXX XXXX.. The balance of the account was {$XXXX} at the time I discovered it. I received a statement in the mail stating that the account was XXXX payments past due and the new balance was {$XXXX}. At this time I then called XXXX to report the account as fraud and to close the account. I was informed that the account was suspended and that they would start an investigation. I recall the person I spoke with going over the charges and dates from the purchases on the account and I believe they said the purchases were made in XXXX. I am located in XXXX XXXX, not XXXX. I received a letter in the mail from their security department regarding the fraud investigation and they claim that the account is not fraud and that I am still responsible for the account balance. I have never opened an account nor ever made any purchases from XXXX
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

They order the value of my house so I can remove my pmi and and my value of house came up so high but they did t remove the pmi then I tak to them but they not listening me Im request to u so u guys help me to remove my pmi.
Consumer complaint received 2022-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Due to a database breach from XX/XX/XXXX. My personal information was compromised. Such as my name, social security number, and date of birth. After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These inquiries were obtained without my consent and are affecting my credit utilization. I've contacted Experian several times by phone, mail and online to dispute this unfortunate matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stephen Einstein & Associates, P.C. (NY)

I tried calling the company of Stephen Einstein and Associates on numerus occasions. All representatives refuse to talk to me on the account. They all said there was not any supervisor or attorney I could speak too. They said they are a law firm and don't have follow the FDCPA. They constantly told me I had no rights and said I will be getting a judgement for a debt I do not acknowledge but I was calling to see what this debt was for because it was on my XXXX XXXX. They refuse to get me to anyone that could give me any information. Said they would not send me a validation of debt. Got very rude. Made numerous threats. Would not connect me to anyone helpful. I got hung up on by 3 representatives. Then they wouldn't answer my calls. Just made threats of lawsuits and judgements.
Consumer complaint received 2020-10-20
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. (TX)

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX,  XXXX ran a hard inquiry without permission resulting in a lowered credit score. I never visited this particular dealership and dont know how they obtained my information to conduct a credit check. Ive called and left my phone number with the secretary two weeks ago and was told someone will contact me regarding this issue. Ive called back and no one still has any answers.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-06-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

Hello, I have applied for a refi with amerisave mortgage and they took XXXX from my account. I applied XX/XX/XXXX and since then I have had minimal to no response from any of the loan officers, managers, or anyone from that company. I have given them all the needed documents to finish the refi but now that they have the XXXX from my checking account I hear nothing from them and I don't know how to get my money back. they have mad me suffer thru this for weeks now and I'm very upset. I have XXXX XXXX and other health problems and I'm getting sick over this. 

I have tried numerous times, left hundreds of messages and no one is responding. 
I need help with this. can you please advise. 

this is the loan officers info : XXXX Started XX/XX/2020 Loan Type Refinance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Status In Process Loan XXXX XXXX XXXX XXXX XXXX here is the other person who never returns my calls or emails : its been a month now. 

Loan Processor XXXX XXXX NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, i've tried every phone number I can find for that company and everyone of them know its me calling because of my number. they won't answer the phone if they see my number on there end. they hang up on me, pretend I can not hear them and hang up. 
try there customer service and no one answers. 

I've been ripped off bad and I don't want this to happen to anyone else.
Consumer complaint received 2022-04-26
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 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-04
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. (IN)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved.
Consumer complaint received 2017-12-16
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. (IL)

On XX/XX/XXXX contacted via phone and email advising all three major credit reporting bureaus account that does n't belong to me was being reported ; they advised would investigate the account came back verified then submitted ID Theft affaviadit on to local police and online XX/XX/2017 ; the account was removed after all requested documentation was submitted then on XX/X/2017 the account without notice was re-entered on XXXX and Experian file contact and was made aware of a glitch and that it would be deleted which has not happen. AT this point I would like account removed and blocked so that re-entry can not happen again
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

Outstanding on time payments and final payoff to card was XXXX. Due date was XXXX and money arrived 12 hours later. Late fee charged on XXXX for {$29.00} then another late fee charged on XXXX even though the balance was paid of XXXX. They state they can not waive both late fees. I find it appalling on a holiday weekend they charge a late fee for receiving a final payoff hours after the due date. Unacceptable on their part to take {$60.00} from me that is not owed to them.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (NC)

i was living with a roomate he was from XXXX. one day i came home and the guys move out taking mu personal stuff ID social security card and more documents and this person beside that he work with my social and let me wiht a big debt wiht the XXXX  and asking to any bill from XXXX XXXX XXXX to be Remove i have done these claim more than 5 time with the same account and they remove it and give it to another debt collect company! plase dont bother me anymore wiht this bill i dont owe be cuz i was a victing of identity theft Im just want let know XXXX physician to stop collect and bother me like 2 twice in a year since 2016 my Credit is importan to me! We can go to court if that want they want to!
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have been struggling to lift my freeze with Equifax for the past month. I can easily lift with XXXX & XXXX, but Equifax is the worst. I am currently trying to get a mortgage approved, but they can not access that bureau. I try to log on the website and get an error message. I call in to the automated freeze lift and it always hangs up on me. I talk to someone, who by the way barely speaks English or understands me and then they tell me that they can not verify me for whatever reason and then they tell me to fax my information in ( drivers license & ss card ). Well, the fax number they provide and any found online and on their automated system are ALL incorrect. Sending by mail, you don't get a response or hear anything back. The last rep/supervisor I spoke with hung up in my face. I am extremely annoyed and over all of this. I need my Equifax unfrozen immediately as I am in the home buying process.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Initial complaint opened - XXXX BOA - XXXX Response from BOA is not acceptable. 

I do not agree with the company 's response. According to them if the requirement to disclose fees went into effect on XX/XX/2020, then how were my 3 international wire transactions of XX/XX/2020, XX/XX/2020 and XX/XX/2020 successful? Additionally why did the company not inform me ahead of time, knowing fully well that I had been executing International wire transfers with this bank for years and that BOA did not have a direct relationship with them, and that my future transaction could be impacted. Finding out that a transaction will not execute, at the last minute is not acceptable.