davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

I am having serious trouble with a company called Equifax. I have repeatedly asked for my credit report. However, they have not provided it as they are lawfully required to do. They have not extended any service or any consideration whatsoever. I am FURIOUS that Equifax are not taking their obligations to protect my identity seriously. 

To provide some background, I am a US citizen that currently resides full time in the XXXX XXXX and part time in the United States. I file a US tax return every year from my residence here in the XXXX. I received a fraud warning document from the IRS in XXXX stating that someone used my social security number to obtain employment in the United States. In that letter, The IRS document stated that they STRONGLY recommend that I obtain my US credit report from the 3 major US credit agencies including Equifax as a matter or urgency. While my full time residence is currently in the XXXX, it is of PARAMOUNT importance that I protect the security of my US identity. 

I 'M EXTREMELY ANGRY. Can you please explain to me why a professional organization like the IRS is directing me towards a company like Equifax? I see on the news that they 've recently exposed the private details of millions of Americans. I 'm very concerned because I recently sent them my social security card, driver 's license and other private information to try obtain my credit report. Not only have they not fulfilled their obligation to provide my credit report, but now they 've potentially exposed my private information and made me EVEN MORE VULNERABLE TO IDENTITY THEFT. Why are you ALLOWING this to happen???

Please make this company take their professional and legal responsibilities seriously. I have sent them all the information they have requested, but they have done NOTHING to help secure my identity. I 'm WORRIED SICK. Please I pray to XXXX help me ...
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has been taking advantage that my mortgage serviced has been putting my house payment at the wrong time. Wells Fargo pays it and bounces all my small payments. The small payments were presented to Wells Fargo at the same time, its like they have there own money machine. XXXX at a time to the amount of XXXX. I originally opened these accounts on line. The local branch closed third accounts and opened accounts that have monthly fees. My wife and I are on very tight budget Im XXXX and my wife is still working. We dont have this kind of money to loose. We would like to eat also.
Consumer complaint received 2017-12-09
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. (CA)

Hello, Below is the information that is on my credit report and it is not accurate as I have never applied nor had XXXX XXXX XXXX. I am only XXXX years of age and would like to inform that the below information is not mine. Please contact me with any questions or concerns. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$890.00} Closed Overview You 're currently using 128 % of your account 's limit. 
Balance {$890.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Youve made 74 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$890.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Charged off account Times XXXX/XXXX/XXXX days late XXXX
Consumer complaint received 2017-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

Hello, I recently transferred all of my loans to fed loan servicing ( as to prepare to qualify for PSLF ) and have run into several problems with this agency. On  XXXX   XXXX  I received notification that my re-certification for income driven repayment was due. I submitted all necessary paperwork  XXXX   XXXX  however my re-certification was denied. When I spoke on the phone with fed loan servicing they stated that I applied too early, however per the letter I received in the mail re-certification is due by  XXXX   XXXX  and so submitting  XXXX   XXXX  does not qualify as being " too early. '' The customer service representative did not understand what was going on and submitted my case to be " reviewed '' however I am very worried, given the number of errors that have already occurred with this agency, that this will not be done in a timely manner. I fear that I will miss the deadline ( even though I have already submitted all necessary paperwork ) and will thus forfeit my ability to continue to use IDR. Please note that I do have  XXXX  re-certification dates,  XXXX  in  XXXX   ( f or which I received the recert letter mentioned above  )  and  XXXX  in  XXXX .     Thank you very much for your time in this matter.     Sincerely,  XXXX   XXXX  Attachments :  ( 1 ) L etters from  XXXX  dated  XXXX   XXXX ,    2017  requesting me to submit  IDR  annual re-certification ; (  2 )  my IDR re-certification paperwork ( with my tax return ) submitted on  XXXX   XXXX  ; and  ( 3 ) email f rom MyFedLoan on  XXXX   XXXX  indicating that my IDR annual re-certification was denied. All attachments are assembled into a single PDF file.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (TX)

I got sick on XX/XX/2015 and went to the hospital for 30 days. I took the ambulance to the hospital so I think thats what the debt is for. Ive tried to contact them numerous times to set up a payment plan of some sort, but they always would say to me that it isnt enough money per month.
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I tried selling a gold plated " XXXX XXXX '' record display on XXXX for {$180.00} and received an email stating that the person would send me a check for it and extra to cover the costs for the " moving people '' that we 're going to pick it up for him. He went from the name XXXX XXXX. XXXXXXXXXXXX is the email he used.The received the check on XXXX XXXX, XXXX and proceeded to deposit it on the same day. The check was sent through XXXX Next Day Air. The shippers XXXX account number is XXXX XXXX with " XXXX XXXX '' where it asks the name. The street address from where it came from is XXXX XXXX XXXX XXXX, IL with the zip code being XXXX. The check was {$1200.00}. The next day XXXX XXXX, I went to the bank with my mother to withdraw the {$1000.00} I was instructed to do and send that money to a certain location through XXXX XXXX. The XXXX location I went to was " XXXXXXXX XXXX  XXXXXXXX XXXX. '' XXXX gave me his phone number which is XXXX ( XXXX XXXX XXXX. He messaged me and emailed me a name and address of a person to make the money out to. The name I wrote the money order to was XXXX XXXX, the address being XXXX XXXX XXXX XXXX. XXXX XXXX, Illinois XXXX. I filled out the XXXX XXXX and received a receipt with the pin being XXXX. The reference number is XXXX. XXXX refused to respond the following days later. On XXXX XXXX, XXXX, we returned to XXXX XXXX XXXX to deposit a check and create a new checkings account. We were told that there is a - {$750.00} in my account. We were than told that this may have been due to a fraud check. We were told that we would have to pay that amount, and that we were under investigation. I spoke to someone on the phone stating what had occurred.
Consumer complaint received 2017-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Multiple inquiries are on my credit report that have been attempted to be removed as unauthorized. XXXX inquiries occurred during an extended fraud alert being placed on my credit report with transunion. Which holds transunion responsible, I 've attempted to get these removed by the companies and the creditor with no success. Just to be told that they are valid, when in fact they are not. I 've asked XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX for proof of the inquiries. such as drivers license, passport photo id, and any pertaining information to validate these inquiries. No such evidence has been provided and transunion has failed to validate these inquiries and remove them on mulitple instances. Please assist. 

Inquiries in dispute are XXXX  XXXX XXXX, which occurred during a security freeze on my credit profile, was unauthorized on XXXX/XXXX/XXXX. 
XXXX XXXX - on XXXX/XXXX/XXXX which was unauthorized. 
XXXX XXXX XXXX XXXX, Which was unauthorized on XXXX/XXXX/XXXX
Consumer complaint received 2024-02-28
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: EQUIFAX, INC. (VA)

Dear Sir/Madam, Sat, XX/XX/year> at XXXXXXXX XXXX I am writing to dispute the validity of the debt collection attempts made by XXXXXXXX XXXX XXXX regarding the account, whichyouclaimot beowedbyme. Aspartofmydispute, IhaveaspecificInquiryregardingthehandlingofthiscollection account.

Could you please provide me with confirmation as to whether an attomey has reviewed this collection account? Specifically, Iwould like to know fi any legal professional has assessed the details of this debt, including its validity and the procedures followed by XXXX XXXX XXXX in attempting to collect it. 
Understanding whether an attorney has reviewed this collection account is crucial for ensuring compliance with all applicable laws and regulations governing debt collection practices. Therefore, Ikindly request that you provide me with this information at your earliest convenience. 
Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to dispute any inaccuracies or discrepancies related to it. I expect ful compliance with these laws ni al communications and actions taken by XXXXXXXX XXXX XXXX regarding this matter. 
Please be advised that l am keeping detailed records of al communication regarding this matter, including copies of this letter and any responses received. Ireserve the right ot take further legal action if necessary to protect my rights under the law
Consumer complaint received 2024-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In the company, XXXX XXXX XXXX it says I owe XXXX dollars but I never opened an account at this company. My mother opened an account in my name and I sent letters to prove it but it still on my report. N Im getting serval hard inquiries in my credit report that I have no idea where its coming from.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (OH)

While in the process of repairing the damage of becoming a victim of bankruptcy debt buyers, obviously buying my court ordered discharged debt and selling it completely ruining my entire credit profile after my discharged bankruptcy I find that that the violation continues. I have proven these cases have been sabotaged and illegally used I have provided the suspects name. While Equifax reportedly removed the cases equifax immediately reports them back using a company that has never been involved as the reporting party. I have become victim enough and this is a total violation of the FCRA. I will include images as too just what equifax did. All evidence will be forwarded to the courts for investigation and damages.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

i recently disputed this account because their are so many errors reporitng on this account. i have pointed out numerous times what is wrong with it such as the credit limit and so much more. I am seriously trying to purchase a home and because of their mistakes i have been wrongfully denied. please help me fix this issue. 

THEY HAVE ALSO REPLACED A COLLECTION THAT WAS REMOVED FROM MY CREDIT PROFILE WITHOUT NOTIFYING ME FIRST, i have read in many books that this is against the law. The account in concern is " XXXX XXXX *Orginal Creditor XXXX XXXX
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I bought a " XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' at {$170.00} on XX/XX/2019 and found a lower price later. I filed a price rewind claim on XX/XX/2019 to Citi, which is on of the card benefit. 
However, my claim was denied because the product is defined as " consumable. '' I believe the decision was incorrect due to the following two reason : 1 this product not only include bulb but more importantly the smart home system, which is definitely consumable and 2. The XXXX XXXX bulbs has XXXX hours lifetime which lives longer than most of the products. I don't think they fall into " consumable. '' category. 
I tried to reach for help with XXXX customer service, but it seemed no way to do that.
Consumer complaint received 2022-04-01
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

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

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/year> I contacted Kohls regarding fraudulent activities on my store charge card. I was told that they would conduct an investigation and to not worry. On XX/XX/year> I made a payment of {$40.00}. On XX/XX/year> Kohls made an unauthorized ACH transaction in the amount of {$890.00}. I immediately contacted on XX/XX/year> them about this and they told me to contact my bank to dispute this transaction. I also told them to close out my account. I notified the credit bureaus to dispute these charges, however Kohls is still stated that I have an outstanding balance of {$410.00}.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one it the company used in this situation. Someone opened an account in my name without my consent and used a credit card I had no idea about until I checked my credit score and it was to late. My credit score is in the XXXX and now I it is effecting my ability to get an apartment. I need help in resolving this issue. Please and thank you.
Consumer complaint received 2022-09-11
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is governed by 15 U.S.C 1681 and they violated my rights numerous times I demand the accounts listed be removed because According to 15 U.S.C 1681 : I have the right to privacy and did not give equifax written permission to furnish these accounts Accounts XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc. (MI)

ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (MI)

ILLEGALLY REPORTING DEBT THAT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY. THIS DEBT IS DISCHARGED AS OF XXXX/XXXX/XXXX AND CAN NOT BE COLLECTED UPON OR REPORTED AS DEBT. WILL SEEK LEGAL ACTION IF NOT STOPPED
Consumer complaint received 2024-03-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

We applied for Wells Fargo loan modification on our loan during the XXXX XXXX and financial crisis. We submitted all the required paperwork and was told that they would review. Wells Fargo initially delayed our loan modification and pursued foreclosure. They came back to us later and demanded over {$4000.00} in fees in order to approve the loan modification. 

They recently sent us a letter saying that they made mistakes during the loan modification process, and enclosed a {$200.00} check. {$200.00} is nowhere near the amount we paid in fees to Wells Fargo, nor is it enough to cover the mistreatment and anguish we endured during the protracted loan modification process.
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Professional Solutions, Inc. (MI)

DEBT WAS DISCHARGED IN CHAPTER 7 BANKRUPCTY XXXX/XXXX/XXXX. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GREENSKY OPERATIONS, LLC (MA)

collection as well as loan accounts are on my credit file & should not be XXXX/GREENSKY : {$2800.00} chargeoff XXXX XXXX XXXX : {$840.00}
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NV)

This bank paid my creditor from a closed account. The check to the creditor was refused at the creditor 's bank, and a {$12.00} fee was charged. This all began on XX/XX/20 when I made an appointment with a banker ( XXXX XXXX ) for the next day. That banker called that day and asked what I wanted. I told her my husband had passed away. I needed to close 2 accounts, transfer all the money from the 2 accounts to the remaining open 2 accounts and deposit a check to another account, make sure that all automatic payments from the accounts I needed to close were cancelled. I arrived at the bank. I was told that XXXX XXXX had called in sick and was ushered to the window of an unsavvy person was to help me. Her manager stood to my right. The person first told me she didn't want to see the death certificate and that since all of our accounts are named in our trust, I needed some sort of a notarized document in order to do anything. At that, I knew this person or her manager knew nothing, so I just had the check deposited and I left. I, on line, transferred the balances from the two accounts I need to close to the two accounts that were to remain open, so that there was no money in those accounts. So, on XX/XX/20 the bank paid the creditor from the account with no money in it. Then the bank debited the correct account as if to pay the creditor and then credited the account on XX/XX/20. The creditor was never paid. I have never been able to get a resolution for this. All I want is for the bank to credit my account with the {$12.00} that I subsequently paid the creditor since the bank never did pay him and he should not have to suffer that loss for something he did not do. The bank is very, very poor at giving pertinent replies to inquiries, often they do not reply at all. They make it totally impossible to speak to a person who has sent a reply ( without a solution ) with phone numbers to call. I realize this is only {$12.00}, but I should not have to absorb this when I didn't do anything wrong. I am a XXXX XXXX plus Wells Fargo customer.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX BANK XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2017-12-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

DEBT WAS DISCHARGED IN CHAPTER XXXX BANKRUPCTY XXXX/XXXX/2017. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS