davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I missed a minimum payment of {$35.00} on a TCF Bank credit card which was due on XX/XX/2016. ( I forgot it was due, because of a family emergency. ) On the morning of XX/XX/XXXX I realized this had not been paid, and I immediately paid the {$35.00} minimum due by paying online. Immediately thereafter, I called their customer service number and asked them to waive the late fee. They told me their policy is limit XXXX waive per year, XXXX in a lifetime, which is fine. Because this was the first time I asked, they said they would waive the late fee of {$26.00}. 

Their version of waiving is unique. Rather than tell you on the phone that your new amount owed for the next month is lessened to XXXX from XXXX -- whereby they subtract the late fee because they waived it -- they told me this : The new bill has gone out. You now owe {$74.00} minimum next month. I asked how that could be when I routinely owe about {$35.00} per month ( minimum payment ). They explained that I have to PAY the late fee XX/XX/XXXX and it will be CREDITED in XX/XX/XXXX Further, I have to pay them approximately {$18.00} in interest -- up front -- next month. AND I have to pay my minimum due for XX/XX/XXXX Total amount now due : {$74.00} minimum. They did subtract the {$35.00} I paid that morning as the new statement was reflecting an XX/XX/XXXX minimum due of {$100.00}. 

This is not 'waiving. ' This is having to expend more money the next month, then waiting another month for that 'waive ' to credit. And why am I owing interest as as an additional payment? And if they were able to subtract the {$35.00} payment of that morning by phone ( statement having gone out ), why were they not able to waive the late charge that morning by phone ( statement having gone out )? All I should owe for a bill due XX/XX/XXXX is roughly {$35.00}. Period. Thank you for contacting this company.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Dozens of promises from XXXX to remove a fraudulent credit inquiry from my report. I have been told DOZENS of times that the issue is resolved but Equifax insists that XXXX has not contacted them. This is from a VERIFIED ID THEFT incident in XXXX of 2015 ( NOT A TYPO )
Consumer complaint received 2022-07-05
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. (OK)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/2020 I mailed certified letter to Portfolio Recovery Associates requesting validation of debt for account # XXXX made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Portfolio Recovery Associates have failed to provide requested validation. The amount of debt claimed is {$1600.00} for a factoring company according to their credit bureau information. This debt is unvalidated, unverified and I request that this matter be permanently closed and also that the Credit Bureau be informed and their information updated.
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

When paying rent for a shared household, my roommate accidentally wrote a check for rent for the entire house on a check from my checkbook instead of his own and sent it in. When the check was cashed, it overdrew my account by a large amount, and I was charged {$93.00} in overdraft fees. I called the bank and asked that the overdraft fees be removed. I did not think that the check should have been cashed since it did not have my signature on it. XXXX My roommate signed his name ). I spoke with a few people at the bank, and they refused to remove or reimburse the overdraft fees. When I explained that my roommate wrote on my check on accident and that it did n't have my signature, I was told " who 's fault is that? '' and that they go through XXXX of checks and ca n't check all of the signatures. I felt that just because they ca n't look at all the signatures, does n't mean that the signature does not matter. I gave up arguing with them after this and closed the account a couple weeks later. I would like to be reimbursed for the overdraft fees.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have tried numerous time disputing hard inquiries with Equifax. I did not apply for a job nor was I granted credit with these people and I want them removed. I have sent certified letters to both creditors and Equifax with no response. Some were Return To Sender. If it 's not a real company than how can they pull my report? Equifax refuses to delete them from my file.
Consumer complaint received 2022-09-07
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. (AZ)

In accordance with the Fair Credit Reporting Act, the following accounts listed by the credit reporting agency have violated my rights and privacy. 

XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX -Account XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX 15 USC 1681 section 602a states that I the consumer have a right to privacy and confidentiality. Additionally 15 USC 1681 section 602a clearly states that credit reporting agencies shall not report any consumer information that I, the consumer has NOT given express written consent to publish or furnish information about any accounts on my consumer report. Furthermore, the credit reporting agencies continue to add incorrect personal information such as other Social security Numbers, Addresses, phone numbers, and names that are not associated to me, any accounts I own, and/or my consumer report.

Names not associated with me or any accounts I own. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security XXXX not associated with me : XXXX
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

I paid off my mortgage with Fifth Third Bank. After the mortgage was paid off they took another payment from an automatic withdrawal. This was the XXXX of XXXX. They told me they mailed a refund check on the XXXX of XXXX but as of the XXXX of XXXX I have not received it.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NJ)

Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have contacted equifax about XXXX that 's been reporting against my credit for more than over 7 years and they are refusing to remove it. Instead of removing the negative item, they keep changing the date to show that it 's not older than 7 years. Attach is a document that shows the open date to be more than 9 years old and I 'm hoping this action will finally cause equifax to remove this negative item from my credit file permanently.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

I have a private student loan. The representative indictaed to me that i had forbearance time available to bring my account current which would avoid any negative credit reporting. She emailed me the documents, in which i faxed back on time. I expected my account to be brought current however it was still reported negative past due for 60 days although XXXX specifically told me to fax these documents and i would be all set. I check my credit weekly and noticed that XXXX XXXX XXXX the creditor whom is partnered with XXXX which houses the loan reported my account 60 days past due. When i contacted them they told me there was nothing they could do and apologize for the misinformation. This is extremely wrong and shouldnt be allowed.
Consumer complaint received 2017-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (SD)

ACS sent me a XXXX which I do not recall when I received it. Around the XX/XX/XXXX I received a letter from the IRS saying that I owed {$890.00} in taxes from my XXXX taxes due to the XXXX. I had spoke to our tax lady and she said that I needed to find out why I received the XXXX. That ACS must have filed the wrong paperwork. Within a two days I located the XXXX and called ACS. On the phone the lady said, " We knew that the IRS would think that we sent you a check for {$3000.00} and we were waiting for you to get paperwork so you could send it to us. '' I said something like I do n't understand, this does n't seem right. She explained that in XXXX of XXXX there was an audit on my account and they lowered my principle balance by {$3000.00} and that is what the XXXX is for. She said, " When you send us the paperwork we will send you a check. '' I restated that this does n't seem right. How can I pay taxes on money I did n't get. She said that is just how they do things. I said that It 's not right and then asked if they were going to just pay the taxes or send a check for the full amount. She said, " No, the check will be for the whole amount. '' I said, " So you are sending me a check for over {$3000.00}. '' She said, " Yes, for {$3000.00}. '' I again said this does n't make any sense. Within a couple days I emailed a copy of the IRS papers showing what we owed for taxes. On XX/XX/XXXX I called to find out what was going on. It was a different lady on the phone. She looked up the records and said, " A check was cut for {$890.00} and yesterday. '' I explained to her the conversation that I had with the first lady. This lady said no, I am sorry that you were told that. We just pay the taxes. I questioned how it was right to pay taxes on money that I did not receive. She said that is how we do things. I again stated that this is not right. I received a check on the XXXX XXXX for {$890.00}. This did not cover all that it cost me to fix this issue. There were fees from the IRS for paying with a credit card. I felt I had to pay it with a credit card so that there would not be any additional late charges. I am wondering what kind of tax relief or break they received from IRS to be able to do this.
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

I have been trying for the last 2 weeks to obtain an SSI Statement so that I may start the process to file for SSI insurance. However each time I try to access the system I am rejected due to incorrect information. I spoke with SSI and was told that he information used to verify my identity is done through Equifax and was given a number to reach someone there never the less all I kept getting was an automatic system which was no help. I went online to obtain a number for Equifax so I could speak with an customer service agent and I got someone name : XXXX who basically tells me my name is incorrect even though on my credit report I get from them I can see my name listed as though it is an fraud. I was married in XXXX and had my last name changed legally all documents Social, ID, tax returns, home lease, utilities, and employment are under my marriage name. But since Equifax has not updated the information and this is one of the main credit bureau that companies use it is like I am using fraudulent information. I was told that my information would not be changed until I submitted information to them but when asked for the address after having to request to speak with a supervisor who I was told would not speak to me I was given the following address : Equifax XXXX, XXXX XXXX Ga XXXX the correct address listed online is Equifax Credit Information Services , Inc XXXX. XXXX XXXX XXXX, GA XXXX .Maybe it is me but it seems as though there is some information missing from this address I repeated and asked at least 3x times if this was correct. I feel like the way the customer service agent handles calls was definitely not correct. The incorrect information which is listed for me is affecting paperwork which I need to have submitted. Also the fact that the supervisor was eager to get off the phone rather than assistant me with finding out how to get all my information updated correctly makes me feel really worried. I have seen a couple of things listed on my credit report concerning auto loans which I know I have not applied too or for. The last time I applied for an auto loan was in XXXX so I do n't know who I can speak with concerning this matter either all the other credit bureau handles these matter quickly, but not Equifax. I need Help
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MO)

Navient worker XXXX and his manager where very rude to me, try to threaten and force me to make a payment based off the fact they offered me a plan. I explained I could not afford it, and the manager said since you declined my offer I 'm going to note it and we will have you account turned over. He went on to say how is it there your paying your other bills but you ca n't afford to pay us. We are a private loan we do n't have to work with you are offer you anything.He then went on to say I 'm going to call your co-signer now which is my father, using my number as If I was actually calling him, the manager attempted to call my dad. He returned and said he left a message and that we both need to get money together and pay. If I had any kind of work I should know the day I should be paid and I can just pay them then, I asked if I could defer my payment he never answered my question but continued to be rude and say I had no other option but to tell him a date and he could take the money out of my account.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MN)

I sent a letter to Equifax on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from Equifax that provides information about inquiries although it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted Equifax on XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I have since contacted each creditor by phone and by letter. When contacting by phone I was advised that I need to send a letter so I proceeded with the letter. I have not received a repspone from the creditors so I contacted Equifax one more time to state that I contacted the creditor and that I have not heard anything. I was advised to allow additional time even though it has been 30 days with no response. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent multiple letters to the credit bureau requesting to to investigate a inaccurate account reporting to my consumer file. XXXX XXXX XXXX is the account reporting. Along with the letters I also included a FTC identity theft report. I requested the credit bureau to identify and verify the information reflecting my credit report. I have not received any response or results from my request. It has now been months and I have received zero response. According to The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, it is their duty to investigate verify any and all information reflecting the credit report. To date they have not done their duty as mandated by law. I am particularly concerned about the accuracy of the account information. I trust the Consumer Financial Protection Bureau will thoroughly investigate and address my concerns.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). Equifax assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated.

Equifax did not exercise its grave responsibility, you were unfair, and you were partial.

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed Equifax to furnish this report and I never consented to the report.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, equifax, and XXXX. I have put a freeze on my credit with all three reporting agencies. 
When I checked my credit report this shows as a bad debt.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I signed docs with Wells Fargo that stated my XXXX payment was XXXX XXXX XX/XX/2015 our Note with XXXX also shows XXXX payment XXXX XXXX. We closed our loan on XXXX XXXX, XX/XX/2015. We received a bill stating our XXXX payment was due on XXXX XXXX. I called Wells XXXX XXXX and they apologized and said they would fix the issue but it would take XXXX weeks and would be done by XXXX XXXX. I have called today and it is still not fixed. They are going to charge me a late fee and ding my credit for their mistake! Please help CFPB.
Consumer complaint received 2022-08-10
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2016-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Recovery Management (AL)

The debt was paid and has a {$0.00} balance and the collection agency will not remove it even with consent of the doctor 's office that issued the collection. The doctor has stated they have been paid and agree to the removal. I would like this removed from my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.