davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-05-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (ID)

Th e CBE Group , Inc. c ontinuously is sending to my employee job emails on its attempt to collect a debt for someone other than me : Dear  XXXX   XXXX  ... I responded each time advised they got the wrong person and to stop sending emails to me and to my job. They continue to do so.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I have reported in the three credit  companies XXXX, Transunion and XXXX an account for {$500.00} XXXX XXXX XXXX XXXX XXXX. That account I do not recognize
Consumer complaint received 2018-01-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

The XXXX school I went to chose Navient as the holder of my loans, both Federal and Private. The problem I had is that the people who set up the loans for me at XXXX XXXX (in the beginning) didn't know what they were doing and did not get me the best payment plans. I didn't know that until years later when an employee (during a much later call) told me that the loans I was given was not a good loan for me.I could have had lower payments, or a better, more efficient plan than what I was currently on. That made me really angry. Because the payments were so high, I had to use deferments for a few years because I didn't make enough money in a low paying restaurant/catering job to pay my rent and other expenses AND $400+ in student loans. Once the deferments ended I had to figure out ways to pay, switching jobs until I finally made enough money to pay the loans. As it is, after all these years of paying I still owe $XXXX  more than the initial loan of $XXXX. Now I can no longer work at my job and I'm way past retirement age, deciding whether to give my social security and IRA retirement money to Navient, when I already don't have nearly enough money to last me the rest of my life, however long that may be. I would never encourage anyone to take on this kind of debt. The recruiter at the culinary school lied to me about what I would make once I graduated. It was a big mistake!
Consumer complaint received 2021-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (TN)

In the state of Tennessee theres a charge for fraud by theft i have pressed on someone Ive never met in my life. This person pretended to be a friend dear to me by using pictures videos and sounding like them to steal from me thousands. Chase has denied my claim and said that basically theyre counting it as a scam because its technically authorized. Even with the police report and investigation ongoing. I was referred to handle it through the legal system. If i cant get this resolved i will simply close my accounts with all creditors except XXXX and XXXX XXXX XXXXXXXX.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-12-14
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: AMERICAN EXPRESS COMPANY (MA)

A purchase was made from XXXX on XX/XX/XXXX using my credit card, phone number, email, and billing address, but with a different shipping address. Total amount : {$840.00}. XXXX has already shipped. 

Another charge from XXXX XXXX on XX/XX/XXXX for {$740.00}. 

Reported both purchases to credit card company on XX/XX/XXXX. 

Investigation ongoing XX/XX/XXXX. Credit card company suggested I also open a case with the FTC. Trying to intercept package from XXXX to return to sender.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (FL)

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the XXXX XXXX XXXX is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

There is an old XXXX account showing on my credit report incorrectly. The account is XXXX opened on XX/XX/XXXX. Currently the account shows as a recent missed payment or recent charge off on my report. That is not accurate. I have verified with XXXX XXXX the correct dates for this account as being closed on XX/XX/XXXX and paid and closed on XX/XX/XXXX. There has been no activity on this account since. However, Equifax is reporting that the charge off date on this account is XXXX of XXXX. This is not accurate. Any or information at all regarding this account post XXXX of XXXX is wrong.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

Either Wells Fargo or some other private individual has opened a fake checking or savings account in my name. The only reason I came to know about it was when a PIN for a debit card was mailed to my address. 

I do not have the account number for this fake account opened or the debit card. I do have a closed mortgage account. When I log in with the credentials for this closed mortgage account, I can see in the bank communications portal that a debit card was mailed to my old address where I resided in XXXX and prior ( debit card was mailed in XX/XX/XXXX ). Then another message says another debit card was mailed to my current residence in XX/XX/XXXX. That wasnt received either. Only a PIN mailer was received. 

Upon calling Wells Fargo customer service, the phone banking system prompts multiple times to enter an account number ( which I do not have ) and doesnt let one to speak to a customer service representative. Then after a long delay I was able to get to a customer service person. That person refused to help me and gave me an XXXX number to call to handle this complaint. Upon calling that number, I spoke with the representative and explained the situation to her. She put me on hold for a long time and never came back. After about 15 minutes or so, I hung up. No attempts were made by Wells Fargo to call me back. 

At this point I do not know how to resolve this issue after multiple failed attempts to bring this issue to the bank 's attention.
Consumer complaint received 2021-05-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NV)

You guys are trying to deny my claim and block my account, I went to the bank as you guys have told me to, to close down my account and open up a new one, as of today ( XX/XX/2021 ) the citi branch told me that they couldn't do anything until you guys leave a note for me them to allow them to close down the account, this is my account and my money!! i'm trying to be safe!! there must be a hacker out there who made a copy of my debit card and took out my money, you guys need to clean up this mess!!! now i wasted my time and gas money driving to the citi branch just to realized that i can't even close down my account!!! stop lying to me!!!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

The Affirm account # XXXX should not be reported as I never opened this account. I made an inquiry to open an Affirm account for a purchase I was planning on making but the transaction was cancelled and Affirm still attempted to open an account for me and charge me for a transaction that was canceled. This account needs to be removed from my credit report before I file a small claims lawsuit in the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX  XXXX  XXXX, 11 XXXX  XXXX  XXXX, 11 XXXX XXXX, 14 XXXX  XXXX  XXXX  I, DEPT OF ED/XXXX, DEPT OF EDUCATION/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 Company Inquiries : 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 2018-06-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (FL)

XXXX @ XXXX XXXX. Received a robo-call about possible litigation that was attached to my phone number, and was connected to an agent who identified himself as XXXX XXXX from The XXXX XXXX XXXX. He said that I had an old bank account with XXXX that was opened XX/XX/XXXX and that had been closed for overdraft. I informed him that this couldn't be correct, as I had not had an account with XXXX in XXXX, but I had my identity stolen around that time. I was told that unless I made payment arrangements by XXXX that day, that the case would be going into escalation which would lead to court and being reported to XXXX. I hung up and immediately called XXXX XXXX, and they have been able to confirm for me that the account in question existed, but that it was opened in XX/XX/XXXX, charged off in XX/XX/XXXX, and sold in XX/XX/XXXX. When I called back to The XXXX XXXX XXXX, I spoke with a " manager '' names XXXX XXXX, who informed me that this account wouldn't be considered an identity theft issue due to the length that it was maintained, and again I was threatened that if I did not arrange a payment plan before the XXXX deadline, that this would be going to court and be submitted the XXXX I felt forced to make a payment arrangement or be sued, and I made a {$1.00} retainer on a debit card. They agreed to wait until XX/XX/XXXX to take a {$200.00} payment off the same card, and emailed me a litigation notice. After that, I immediately contacted a lawyer who advised me that it was more than likely a scam, and so to cancel the card. They have now began calling me again, and although I have requested validation of the debt multiple times, they have neglected to provide me with anything, saying that I have been receiving notices about this for years at an old address. However, they claimed to have done a background check on me in order to get current information, but couldn't give me any current information other than my maiden name and phone number. I was contacted on I was contacted on XX/XX/XXXX by XXXX XXXX, at which time he threatened legal action against me. Approximately 2 days later, I received another litigation notice in the mail, dated XX/XX/XXXX. Then on XX/XX/XXXX, I was contacted by a case manager named XXXX about the issue, to which I informed him that I had sent a letter in the mail asking to not be contacted via phone and that i was requesting validation of the debt. I believe this is a scam, and if it is a legitimate debt, that they are trying to collect a XXXX debt.
Consumer complaint received 2016-04-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NH)

While in the XXXX room at XXXX XXXX XXXX, I signed a form to use indigent funds for I had no insurance or job. they kept me in XXXX overnight. That is where this {$450.00} charge is from. I was unaware they were going to charge me especially after they told me the government fund would take care of my charges. I never would have stayed if I had known. Incidentally, they found nothing wrong with me and I had to go to my pcp to get treated. This collection is on both XXXX and XXXX.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

XX/XX/XXXX Complaint against : Quicken Loans On XX/XX/XXXX, I made an inquiry to Quicken Loans for refinancing my mortgage. The banker ( XXXX XXXX ) said that he would look into it. Shortly right after, I received an offer from Quicken Loan for refinancing. I noticed some discrepancies I talked about it with XXXX XXXX ( banker ), this was the last email from Mr. XXXX on XX/XX/XXXX stating that he had the information to proceed. 
On XX/XX/XXXX, I received an email from the appraisal company that quicken loans selected. An appointment was set and the appraisal for which I paid under the impression that the loan was a done deal as long as the value came under Texas guidelines. The appraisal value was within the Texas guidelines. 
On XX/XX/XXXX, I received an email from XXXX XXXX requesting a call. I called XXXX just to receive the news that Quicken could not help me with the loan and she asked me for several things that were not standard. XXXX was very rude as well as her supervisor XXXX XXXX who is the Director. The attitude from both was rude, aggressive. I received another email from XXXX and then a call from XXXX XX/XX/XXXX, I received a call from XXXX XXXX giving me other reasons for denying the loan. He was very professional a complete 180 from the two previous women. 
In short, A.-they entertained my application long enough to order an appraisal. I know that is not standard procedure. I need the appraisal fees back ( {$500.00} ) B.-I never received a written explanation for the denial after they had ordered an appraisal.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (ID)

I did not file this ch XXXX bankruptcy, nor are these medical bills mine. There are addresses and names listed that I do not recognize. Someone must have my information. Please remove it from my credit profile.
Consumer complaint received 2021-02-26
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. (MN)

On XX/XX/2016 my account shows that it was 60 days past due. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with XXXX  and the inaccurate report is still being reported on my credit report.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I have been trying to resolve issues regarding a debt on my credit report that does not belong to me. My first letter to the credit bureau was in early XXXX I have asked to be sent copies of original documents signed by me stating these are in fact my debts but neither the original creditor or debt collection agency has provided these to me. All they have repeatedly sent to me is a notice stating the debt was confirmed but nothing was provided to me as asked. I have copies of all the letters I have sent to them XXXX original creditor and debt collection agency ) trying to get this resolved since XXXX with no avail. I have tried to resolve this with them before making a complaint but I now feel like I have no other choice. The companies I am referring to are listed below. I hope I can get this resolved quickly. 

Sequium Asset Solutions ( XXXX ) Acct # XXXX debt {$440.00} " Not mine '' I have a current account with XXXX since XXXX and I am still with them and my account is in good standing. I have asked for copies of original documents and none have been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX debt {$280.00} and Acct # XXXX debt {$370.00} " Not mine '', " Not mine '' It's from XXXX. No verification of debt has been sent to me. I have asked for copies of original documents and none have been provided.