davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc (VA)

I used to work at the XXXX and had money for a subscription taken out of my paycheck. When I stopped working there, the paper stopped coming because there was no longer a paycheck to draw from. I never received a bill from them as I was not getting the paper. 
I received a notice that they sent a relatively small sum to a collection agency, Joseph Mann and Creed. I emailed the human resources director and was told the billing department was handling it but she refused to give me a contact person. 
I finally got someone on the phone who told me the account was closed, the balance was XXXX but that dealing with the collection agency was " my problem. '' Even though the letter says " The XXXX has requested ... '' This is not my debt. They are refusing to fix it. I have perfect credit and can not get help.
Consumer complaint received 2017-04-24
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. (TX)

I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I AM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WITH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIETELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 

XXXX XXXX XXXX XXXX XXXX - CHARGE OFF LAST ACTIVITY XX/XX/XXXX ( CERTIFICATE OF INDEBTNESS ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} ( NOT THE SAME WITH OTHER BUREAUS, INACURATE MUST BE DELETED ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCOME CANT BE REPORTED. 

EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS A CERTIFICATE OF INDEBTNESS. INCOME CANT BE REPORTED. 


IN ACCORDANCE with the fair credit reporting act. public law 91-506. title VI, section611. provide the names and business addresses of each individual with whom you verified above so that i may follow up. please send me an updated copy of my credit report after your investigation.

Reporting inconsistent balances across bureaus date of first delinquency illegally being changed privacy act of 1974 this is a voilation 15 U.S.C.CODE 1681B every company must have written consent to confirm everything is accurate.
Consumer complaint received 2024-04-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (CA)

I took out a personal loan today and with in an hour of getting the docs I noticed a mistake, I called several times and got disconnected, finally spoke with someone and they refused to do anything to correct the terms. Ive been a client of theirs for more than 10 years, they have XXXX customer service and now Im stuck with a loan with the wrong terms. They said it was already funded, but it was not funded, The money has not hit my checking account and they refused to fix the loan docs. They purposely push the funding so they dont have to make any changes or work with any customers.
Consumer complaint received 2024-04-16
Product: Credit 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: Self Financial Inc. (WI)

There is a fraudulent charge on my credit card for {$170.00}. It is from a XXXX gas station in XXXX, XXXX XXXX I live in Wisconsin and have never been to XXXX XXXX my life. The charge is for diesel fuel which I would never use. My card was on file with XXXX XXXX XXXX for XXXX. Someone obviously got into their system and used my credit card information at their XXXX gas pump. They must have logged in with my phone number or email and accessed my account. My physical card is and has always been with me here in Wisconsin. I do not know anyone in Mississippi and did not authorize anyone to use my funds. XXXX XXXX is telling me that my dispute was denied because I authorized someone to use the card and that I benefited from purchases made. This is absolutely incorrect. My account had to have been hacked. It is obvious someone used my card on file and I did not authorize that. My purchase history with XXXX XXXX XXXX XXXX XXXX that I have only ever used my card there for groceries here in Wisconsin.
Consumer complaint received 2024-04-10
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: CITIBANK, N.A. (TX)

XX/XX/XXXX at the Best Buy store purchased online order a XXXX XXXX XXXX charging to the Best Buy Citibank the amount {$640.00}. The BB App was updating me the status of the order, when it says that would not be delivered due to missing XXXX XXXX. When I called Customer Service, I was told it was already returned to the warehouse by XXXX in Illinois and be sending to the shipper arriving on XX/XX/XXXX. I decided to place my own order for XXXX XXXX XXXX on XX/XX/XXXX, the item arrived to my apartment on XX/XX/XXXX and records shows my XXXX XXXX XXXX but I tested and did not like for the amount paid so I returned it on XX/XX/XXXX to the store. The credit of {$640.00} for the FIRST purchased that it was never delivered never applied. I have complained ( 4 ) times to BB Citibank with the same answer as decline case. According to their records was sent to me ; show it was delivered with XXXX  from BB location XXXX, XXXX on XX/XX/XXXX and records doesn't show XXXX XXXX. I was not awarded that BB will be sending the item again. This is unusual procedures. Also, I never received update notifications of this item. The question is using a carrier XXXX, then XXXX, later XXXX received on XX/XX/XXXX and XXXX delivered on XXXX XXXX.
Consumer complaint received 2020-05-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a Midwest recovery system. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with Midwest recovery system witch the third company.
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

There is an XX/XX/XXXX deadline for student loan forgiveness for a one-time adjustment of borrowers payments I will be unjustly denied. I consolidated back in XX/XX/XXXX which is still under review and the DOE can not see my loan progression from its conception back in XXXX to now. ( over XXXX  years ) To the DOEs/XXXX  admission, they do not have any paperwork before XXXX. Basically, per Bidens guidelines, the DOE is unable to see a complete payment history of this loan and I can not get the full credit Im entitled to. I was unable to pull records from banks that erase their histories after a decade and the DOE is incompetent with record keeping. My loan only started at around {$7500.00} in the XXXX and it's ballooned up to {$17000.00} today. 
ARIZONA STATE SENATE Fifty-Sixth Legislature, First Regular Session FACT SHEET FOR H.B. 2066 banks ; financial institutions ; personal information Purpose : Requires a bank or financial institution to destroy all personal information belonging to a former customer or client within XXXX  years after the business relationship ends, with exceptions.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Hello, I hope this message finds you well. I am reaching out for assistance in resolving an issue regarding fraudulent unauthorized charges on my account. 

On XX/XX/2024, while I was at work in XXXXXXXX XXXX, my XXXX card was charged without authorization at a XXXX store in XXXX XXXX, and XXXX, XXXX. Shortly after, I received a call from the number XXXX, with the caller posing as Wells Fargo. They claimed there was suspicious activity on my XXXX card and stated that my card was blocked, promising to send a new one via mail. Following this call, my XXXX card was charged again with the following amounts : XXXX, XXXX and XXXX totaling XXXX. 

Upon discovering that my card had not been blocked by the bank, I immediately disabled my XXXX card through the application and contacted Wells Fargo. I explained the situation, and it was confirmed that the fraudulent transactions were made using a physical card, even though my card was in my possession. It appears that my information was compromised, leading to the creation of a fraudulent physical card. A representative from Wells Fargo opened a claim for me. Simultaneously, I filed a police report ( XXXX ) and attempted to attach it to my Wells Fargo case, although this option was not available. 

However, on XX/XX/XXXX, without any prior communication with me, Wells Fargo closed my case without issuing any refund. Despite reaching out XXXX  times, some representatives advised me to email the XXXX team with the police report, assuring me that my case would be reopened. Today, upon checking the status, I was informed that my case was closed on XX/XX/XXXX and has not been reopened. Furthermore, I was told that the police report is not considered evidence of a crime, and Wells Fargo does not recognize me as a victim, refusing to reopen the case or take any action. 

I kindly request your assistance in resolving this matter and ensuring that appropriate actions are taken to investigate the fraudulent charges and provide the necessary refunds. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your assistance.
Consumer complaint received 2022-10-03
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. (WI)

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-24
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: National Credit Systems,Inc. (TX)

I launched an investigation into National Credit Systems reporting of a debt with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX  XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, National Credit Systems is falsely reporting this as a debt owed on report with XXXX  and XXXX. THIS IS false reporting.
Consumer complaint received 2020-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I launched an investigation into XXXX XXXX XXXX reporting of a debt with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX  XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX  and Transunion. THIS IS false reporting.
Consumer complaint received 2016-05-25
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (IA)

This company is trying to say they have a loan on my house. Ocwen personal and confidential : XXXX XXXX, XXXX XXXX PA XXXX. My loan was written off by Litton Loan ... and there is a class action Lawsuit against them. Ocwen is now on my credit report ... starting from the time they say there loan started This is my second report. They also have class action lawsuits against them. Please help!!
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Incomm Holdings Inc. (NY)

My XXXX account has been locked since XX/XX/XXXX. I am requesting the account to be unlocked, so I can use it. 

I called InComm in XX/XX/XXXX and was advised to mail them a letter requesting the account be unlocked which I did. I called again in XX/XX/XXXX and was told that they have received my letter. I made another call in XX/XX/XXXX and was told that the representative on the phone will message the back office to look into my case and it should be resolved in 20 days. Nothing has happened ever since. The account with my money is still locked and nobody has ever contacted me. InComm locked my account because of a XXXX XXXX cashier 's mistake. 

Lastly, it is alarming that a financial institution is hiding behind a foreign customer service and the only way to reach InComm is through mailing a letter. 

I am requesting my account be unlocked.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

I am not liable for the debt with XXXX XXXX. I do not have a contract with XXXX XXXX They did not provide me with the original contract as I requested. In accordance with the Fair Credir Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 SECTION 6 0 2, states I have the right to privacy ( 15 U.S.C. 1681 section 604 section 2 ) it also states a consumer agency reporting agency can not furnish an account without my written consent and/or instruction. This was also reported to the bbb.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (AZ)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding an unauthorized hard inquiry on my credit report. The inquiry in question is from XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

I have not provided any authorization for such an inquiry, and I believe this action is in violation of my consumer rights. I request your assistance in investigating this matter and facilitating the removal of this unauthorized inquiry from my credit report. 

Please find the details of the unauthorized hard inquiry below : Creditor : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I kindly ask for your prompt intervention in resolving this issue and ensuring that my credit report accurately reflects only authorized activities. 

Thank you for your attention to this matter, and I appreciate your assistance in rectifying this situation.
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (GA)

I called the credit reporting agencies letting them know them know the inquiries and account are unauthorized/not suppsoed to be visible on my consumer report. Never gave them permission or consent to report unauthrorized account. This is aggravated identity theft.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I reviewed my consumer reports and noticed that I had ( Insert Number of Late Payments ) late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XX/XX/22 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the attached screenshot.
Consumer complaint received 2016-11-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (CA)

They repossessed my car when the payment was only two days late. When I contacted them I was told they sold it. They never once sent me any notices or gave me the right to cure. Generally, the secured creditor must give the consumer the right to reinstate. ( Cal. Civil Code XXXX ) The finance company must provide notice to the consumer of its intent, ( Notice of Intent ) to dispose ( resell ) the vehicle within 60 days of the repossession and at least 15 days prior to resale ( 20 days if the notice is coming from out of state ). The ( Notice of Intent ) must contain all the disclosures required by Cal. Civil Code XXXX ( XXXX ) ( XXXX ). Among the disclosures required is the consumer 's right to 'redeem ' by paying the balance of the loan. Strict compliance is required with these requirements : if the secured creditor fails to strictly comply, it will be absolutely barred from collecting any deficiency. XXXX ( XXXX XXXX, CA ) wanted $ XXXX to return my personal belongings. Repo men have a duty under Bus. & Prof. Code XXXX to provide notice to the consumers that they have this property prior to disposing of it. Although there is no private right of action under the B & P Code sections, consumers could seek compensation through the Unfair Competition Law, Bus. & Prof. Code XXXX et seq. Disposing of the property could also constitute a violation of the Rosenthal Act. In fact I have received nothing from them at all not even one phone call. Yet the OMV contacted me saying the registration has been suspended cause I did n't pay my car insurance. The car in fact is still registered to me. 
Also all my paperwork for the loan was in the glove box and they have deactivated online access to my account.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I Did Not Authorize This Company To Report This Transaction To My Credit Report. I Demand For This Account To Be Closed And Removed From My Credit Report Per 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX  AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.