davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
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. (FL)

The problem I am having with Equifax is not allowing me to dispute online or even getting my annul free credit report they lays climate the information does not match I want to cues my info online and dispute my info via dispute.equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my ( EQUIFAX ) credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into 1.XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XX/XX/XXXX 3XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5XXXX XXXX, XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XXXX   XX/XX/XXXX XX/XX/XXXX inquiry to determine who requested this credit inquiry.
Consumer complaint received 2017-04-25
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. (GA)

XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a Dentist bill. I have no outstanding bills with this hospital or   XXXX   XXXX  . This was not me
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (NC)

On XX/XX/2022, I sent an initial letter to Experian asking them to verify the reporting of my credit report for XXXX XXXX on my credit report. This is an auto loan and is not reporting correctly. The account is reporting as being an installment loan which is factual incorrect. The account type is a credit sell agreement. I have the right to an accurate credit file and discrepancies as this is unacceptable. They responded back and stated that they verified with XXXX that it was reporting correctly. I than sent a method of verification letter back to Experian and also a letter to XXXX asking how they verified with Experian on XX/XX/2022. Experian updated my credit profile with the XXXX payment history but no method of verification was submitted. XXXX advised they did not verify anything with ANY bureaus. I sent a follow up letter back to Experian on XX/XX/2022 advising that XXXX stated they did not verify anything and again asking for their method of verification. Again they updated my charge off status and did not provide any information.
Consumer complaint received 2022-09-07
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. (NH)

Account status in collections is false. showing in collection but when i click to see what account i " have '' it shows a paid acct. its very contradicting. date reported is fraud that acct has been paid in full 3 months BEFORE reported date!! what's going on!! this is intimidating and affects my daily life.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CT)

This problem is with Wells Fargo Bank in XXXX, CT. I am not a customer of Wells Fargo. I have a check drawn on Wells Fargo issued by XXXX. Wells Fargo refused to cash the check without charging a check cashing fee, although the check was drawn on an XXXX account at Wells Fargo bank. Wells Fargo blamed XXXX, saying that XXXX 's account does not allow " free '' check cashing. I spoke with the manager, XXXX XXXX of the branch, whom would not waive the fee and stated that I need to either cash the check at my bank or contact XXXX. It does not make sense to me that Wells Fargo would assess a fee to cash a check - is n't that their core business?
Consumer complaint received 2022-03-02
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: EOS Holdings, Inc. (FL)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OK)

Just after the XXXX  credit breach last year I attempted to freeze my credit with the three credit reporting agencies. I could not reach Experian, and through a third site, XXXX, I arranged to have my credit frozen at Experian. I thought this was a one time charge, but now realize I am being charged {$24.00} on a recurring basis. I have now three times attempted to contact Experian to cancel whatever program they have put me in. Each time I go on the Experian website, which does not allow you to cancel their memberships, but instead provides a number to call at Experian to cancel. Each time Experian is contacted at that number you are given the time one must wait to obtain an operator. In my case it has repeatedly been two hours. Usually, I am not in a position to stay on hold for two hours. Today, I stayed on hold two hours waiting for customer service only to be disconnected just at the two hour mark. I called back and was told there would be a two hour wait. I believe Experian is using this tactic to prevent customers from cancelling their Memberships.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, I went to close my account at PNC Bank, XXXX XXXX XXXX, XXXX OH XXXX. Once the teller and I could hear each other over the carrying on from other employees, we confirmed that only the manager could close the account or I could get cash. The manager was having a 20 minute call while we were waiting even though he knew we were waiting. The teller then directed me to him. After confirming my identity with my license, he has the check made out to me to me to cash out. We were in the bank about 30 minutes to get close the account and make one other transaction. Both the teller and manager kept my license and did not offer to return it. My wife had to physically take it from the managers desk. The unprofessional and party atmosphere of the bank is appalling. The lack of business sense in now knowing how to close an account and return legal documents show this bank is there for themselves and not customers. I sure did make the right move in closing the account. I will never return!!
Consumer complaint received 2018-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (WV)

When my loan was transferred to Nelnet in XX/XX/XXXX they began listing a borrower benefit of a 1 % rate reduction after 36 on-time payments. I am not aware of/do not remember seeing this benefit before the transfer to Nelnet. In approximately XX/XX/XXXX or XX/XX/XXXX I inquired about paying ahead in order to meet the 36 on-time payments requirement so I could get the 1 % rate reduction. I was told at the time that it had to be " on-time '' payments, and paying early would not meet that requirement. So, after making the 36th on-time payment I was awarded the benefit and the 1 % rate reduction began with the XX/XX/XXXX statement. In XX/XX/XXXX I received notice that the borrower benefit that had been listed on my account for the previous three years was done so in error, and as such it was being removed. I inquired about this with Nelnet and was told it should have never been on the account and that I actually benefited because they were not making the new interest rate retroactive. I informed them that I only began receiving the benefit after I had made 36 payments with them, not since the loan was transferred to them. I further inquired why the benefit should have been removed initially ( by the previous servicer ), and after some research by Nelnet was told that I had made a late payment in XX/XX/XXXX. I asked to be provided documentation of this as I have never made a late payment since my loans had gone into repayment. I was sent a letter dated XX/XX/XXXX ( not XX/XX/XXXX when I was supposed to have made the late payment ) that stated I was no longer eligible for one or more borrower benefits and the benefit had been removed. The letter did not state what benefit had been removed, nor the reason I had become ineligible.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (SC)

I had a XXXX credit card around XX/XX/XXXX the last time I made a payment was XX/XX/XXXX I fell behind a couple payments and they continued to add up until the minimum payment was too high I wasnt able to pay it they sent it to a collections agency and just recently I received a call from the phone number ( XXXX ) XXXX the person on the phone told me everything I already knew they said my payout would be XXXX dollars I told them I didnt have it he then said they can split it up into 3 payments of XXXX dollars I informed him that I dont have it he then informed me that there is no way I dont have it because the last time I made a payment was XX/XX/XXXX I understand that I made a promise to the company that I would pay but I have been going through financial struggles if he would have said can you pay anything today I would have said yes but he didnt even give me a option and we was extremely rude
Consumer complaint received 2017-07-24
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. (GA)

I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by US Federal Bk CT XXXX GA or XXXX I 've asked for " Validation '' and Experian has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! Experian, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) ( A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.
Consumer complaint received 2022-07-05
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. (MI)

On XX/XX/2022 a public record ( bankruptcy ) was removed from my account. I have provided proof on many occasions as well as providing support to assure the information. regardless of how much evidence I provide the companies refuse to remove resulting in defamation of character. Making my life more difficult because the people who rely on my accurate credit report are receiving inaccurate and untrue information. My consumer rights are blatantly being violated and they are getting away with it.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunnova Energy Corporation (FL)

A solar installer called XXXX XXXX XXXX lied to me and gave me a contract fr XXXX to go solar with them and their business partner Sunnova. They installed on XX/XX/XXXX. They promised me my contract. I requested it over a dozen times until XX/XX/XXXX when they actually read it to me over the phone and then filed bankruptcy the next day. They sold my 25 year contract to their business partner Sunnova who refuses to help me get my installation contract or pay me the XXXX I agreed too with their solar installer XXXX XXXX XXXX. I requested my contract over two dozen times. Sunnova said they might help if I send them my contract. I think they know I m have issues getting it. I need help getting my contract from their bankruptcy attorney. Then see if sunnova will help or remove the solar panels from my home due to failure to execute or perform on my installation contract. I am a XXXX year old XXXX veteran. They are playing games with me. I know XXXX XXXX XXXX in XXXX New Jersey and Sunnova in XXXX Texas are having legal fraud scam issues now. I need help. Regardless I want my contract from slthe installer XXXX XXXX XXXX now. That's a great start because then I can discuss with sunnovw or do that they are telling me to do.. have my lawyer contact their legal team in XXXX. They have me in a bad situation as a consumer. 41 solar panels didnt get on my roof without a contract and they know this. Scammers know how to scam. These people have done this to thousands of people..see XXXX sunnova complaints group 3000 plus people. I need help. XXXX XXXX Ph XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IN)

I sent Harris & Harris a debt validation letter on XX/XX/2021 which was delivered on XX/XX/2021 at XXXX by XXXX . It is now XX/XX/2021 and I have yet to receive any information validating the debts that are currently being reporting on my credit reports.
Consumer complaint received 2018-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

MONEYGRAM MUST FURNISH ALL DOMESTIC AND INTERNATIONAL WRE TRANSFERS MADE TO XXXX AND OTHERS.. XX/XX/XXXX-XX/XX/XXXX SEE MONEYGRAM REWARDS NO.XXXX, SEE XXXX XXXX XXXX   RECORDS.
Consumer complaint received 2024-10-02
Product: Credit reporting 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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed account on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-03
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. (PA)

This morning, I found unauthorized inquiries on my credit report, and XXXX clueless about the reason behind them. I checked my credit report as usual, but new discrepancies showed up unexpectedly. I even refreshed my browser, hoping it was just an error, but it wasnt. These unauthorized inquiries remained, and its incredibly frustrating. I need this issue resolved immediately by reviewing the documents I've provided so I wont have to deal with this again.
Consumer complaint received 2015-07-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MD)

My name is XXXX XXXX XXXX, XXXX and I would like to file a complaint against Wells Fargo Bank. Back in the month of XXXX, 2014, my wife XXXX XXXX and I applied for a mortgage loan with Wells Fargo Bank. Initially my wife and I were included on the loan application for the purchase of the XXXX XXXX XXXX property. However, the loan agent recommended that the loan should be in my name since it was questionable about the loan being approved with both my wife and I. Therefore, we accepted his advice and moved forward with me as the loan applicant for the purchasing of the house. The agent was working with my wife on my behalf to handle all the necessary paperwork to make the purchasing of XXXX XXXX XXXX property become a reality. The house for purchase was a XXXX house which needed to be rehab. Wells Fargo requested that we have to have this house inspected by a company which they must approve and that the company must be authorized to supervise and sign off on rehab work. My wife and I paid {$800.00} to get the inspection done with a company Wells Fargo had approved for the inspection. 
After the inspection was done and we found out that the roof repair estimation was incorrect because it was for a shingle roof instead of a slate roof. We paid a roof specialist {$250.00} to inspect the slate roof and received a more accurately amount of cost to repair the slate roof or change it to a shingle roof. My wife had forward this information to XXXX XXXX by email since she was working with him on getting all the necessary paperwork done in a timely matter. He had conveyed to her over the telephone that he suggests that we let the house go and my wife informed him that we would like to still proceed with purchasing house. We had over {$50000.00} cash in our savings and were willing to sign whatever documents of Wells Fargo to assure that we would pay out of our pocket for a brand new shingle roof to be installed. However, XXXX XXXX did not return any of my wife 's numerous phone calls, voice mails and emails. My wife explained this to me and she discovered after talking to our real estate agent, that he was returning his calls. My wife felt disrespected and wonders if she was not an XXXX XXXX would things have been handled differently. 
It is my belief that Wells Fargo should compensate my wife and I for the {$800.00} we paid to get the inspection which was requested and for the {$250.00} roof and inspection since the company that Wells Fargo approved for the inspection had made a mistake of the repair estimate.