davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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. (IL)

I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2022-08-05
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. (FL)

There's been information being reported on my credit report without my consent by Equifax. There's been a breach in their system and I was affected by it. My information was leaked to the public. I tried to resolve this issue with Equifax which they refuse to assist me with furnishing my information without my consent, which is a violation of my privacy.
Consumer complaint received 2022-08-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

In the spring of XXXX, I began having an issue with cockroaches throughout my unit at XXXX XXXX. I had been verbally conversing with the manager in an attempt to remedy the situation. The situation became unbearable in the fall of XXXX. The cockroaches were everywhere. On XX/XX/XXXX, I sent a certified letter regarding the cockroach infestation, citing paragraphs XXXX & XXXX of the XXXX lease, requesting a remedy to the issue. Management did not provide a remedy to the issue, nor did they provide a written explanation of any delay. The only action they took was emails to me advising that they went into my unit ( twice ) & took photos & advised that they did not see any roaches. ( I have photos of the cockroaches. ) Because management failed to remedy the issue, on XX/XX/XXXX, I sent another certified letter notifying them that I was legally terminating my lease agreement due to conditions that affect my health & safety, citing Section XXXX of the Texas Property Code & Section 26.1 of the XXXX XXXX XXXX lease contract. I gave 60-day notice on XX/XX/XXXX advising that I would be moving out on XX/XX/XXXX. I moved out on XX/XX/XXXX as previously advised & turned in my keys on Monday, XX/XX/XXXX. In addition, I provided my forwarding address for a final bill to be sent. On XX/XX/XXXX, I received an e-mail from the manager of XXXX XXXX advising that the account would be sent to collections if payment was not received by XX/XX/XXXX. I responded advising that I never received a final bill. She proceeded to argue advising that it was sent XX/XX/XXXX. I never received anything from them. The manager later realized that she had not sent it. Several minutes after my response, I received an e-mail with the final bill - dated XX/XX/XXXX to appear as if she had already sent it. I followed up with a certified letter disputing the charges & advising of the charges that I was willing to pay. Upon tracking the letter via USPS.com, I discovered that the letter was never signed for. In XXXX of XXXX, I received a letter from a collections agency advising that I owed approximately {$1700.00} - despite the fact that I followed the steps outlined in my lease agreement to legally terminate the lease contract due to their failure to remedy my issue ( s ) within a reasonable time frame. Upon speaking with the collections agency, I advised that I had legal grounds to terminate the lease contract & placed the account in dispute & also sent all documentation - copies of certified letters ( including the one that was never signed for ), appropriate sections of the lease contract, photos, etc - all sent via fax with confirmation. When asked what I would be willing to pay, I advised that I would be willing to pay the final water bill if a metered statement could be provided. Approximately 45 days later, they advised that the debt was validated, despite the documentation I submitted.
Consumer complaint received 2018-03-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stone Higgs & Drexler (AR)

I was issued a subpoena on XX/XX/XXXX by Stone, Higgs, Drexler in Tennessee for a payday with XXXX XXXX. I was never noticed in writing or via mail for this debt. The debt was last paid XX/XX/XXXX. I called XXXX XXXX, spoke with XXXX and I asked her why I was never notified prior to this and she told me I would have to address all concerns with the law firm. 
I have spoken with the law firm and asked for debt validation and they refuse to send me documents in the mail. The only response that I am getting is that " We have to be careful what we send you because in live in Arkansas '' ( per XXXX XXXX at the law firm ). I asked what about an offer, but I need documents mailed and they refuse to mail any documents. The company is suing me XXXX plus XXXX in law fees for total of XXXX. The amount on my credit report showed that I owed XXXX ( was final amount reported ). I don't know what to do and they are trying to sue me on XX/XX/XXXX in Tennessee for a judgement.
Consumer complaint received 2022-12-03
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: CITIBANK, N.A. (FL)

15 USC 1681 Section 602 I have the right to Privacy.

15 USC 1681 Section 604 It also states a consumer furnish an account without my written instructions.

15USC 1666B A creditor may not treat a payment on a credit card or open-end consumer credit plan as late for any purpose
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (ID)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint to the denial of loan modification because your company failed to evaluate this borrower for allloss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have  been advised the loan does not qualify for a loan modification due to the income submitting showing the ability to afford the payment as it is on the loan - the lender has advised that the investor - ( XXXX XXXX ) will only allow a review for an in-house loan modification. The clients income that was submitted shows a total of {$XXXX} - Pension income of {$XXXX} / SSI of {$XXXX} and {$XXXX} - The current payment of the loan is roughly {$940.00} or higher - due to the clients hardship - ( loss of income ) - The expenses stated in the review are {$2800.00} - and the lender feels this is ok and the payment is affordable - we feel this review was not handled properly nor where all factors taken into consideration.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

The loan was discharged in bankruptcy in XX/XX/XXXX. I XXXX XXXX XXXX obtain the loan approximately XX/XX/XXXX, and started reporting to the credit agencies. I would this to be removed.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I became a victim of identity theft in 2010 and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or XXXX XXXX XXXX, Wells Fargo, and XXXX. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number. The driver 's license and number is not mine.
Consumer complaint received 2020-08-27
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: CBC Companies, Inc. (NJ)

I have summit my police report to all three reporting agency XXXX  and XXXX  have deleted the items I disputed but experian refuse to delete the same items, I have of my identity thef and my police report
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (DC)

On XX/XX/XXXX I mailed a certified letter to Harris and Harris LTD., to validate a medical debt. I have not received any type of response from this company. I have called and spoke with someone and informed them that they were in violation of the FCRA ; and he assured me that the debt would be removed. Nevertheless, that has not happened and now I have not prepared a second letter by certified mail receipt and it is XXXX XXXX and it was mailed on the XX/XX/XXXX and I will await the response.
Consumer complaint received 2020-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient on your nine page Federal Family Education Loan Program ( FFLEP ) Federal Consolidation Loan Application and Promissory Note dated XX/XX/2004 contract why is no Guarantor, Program, or Lender Identification on it for promise to pay?
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TN)

A Discover Bank # XXXX in the amount {$7600.00} reflects on my credit report that is fraudulent. I never obtained credit from Discover nor have I applied for credit with this company. I have contacted Discover and XX/XX/XXXX about this matter and they have continued to give me the same frivolous response by continuing to report false information. I've provide them with all the proper information to resolve and to correct this issue.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (MD)

On Saturday XX/XX/XXXX I deposited XXXX dollars onto my chime prepaid card. I used XXXX dollars for a XXXX than put another XXXX dollars on the chime card and caught another XXXX to where I had to pay my rent. Upon trying to withdraw money, I was iMmediately logged out from my chime account and told that my account was closed due to security reasons they couldnt disclose. Ive sent many emails to the support team being as though thats the only way to contact them. This was my very first time using my chime prepaid card and they are telling me they have to investigate the XXXX dollars thats on the account. Theyre not telling me anything about compensation and I desperately need help I am not rich. That money was part of my rent money and Im looking to sue for emotional distress as well as theft.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (IL)

In XX/XX/XXXX I purchased a couple laptops from the XXXX XXXX. I was encouraged to apply for the XXXX Rewards Visa card issued by Barclays Bank. I was told that for the next 18 months there would be ZERO interest. After the 18 months, I figured they would start charging normal credit card interest rates. Over the 18 months, I NEVER missed a payment. Some months I even paid early. At the end of XX/XX/XXXX, I noticed that, on a balance of {$2500.00}, Barclays was charging me $ 1100+ in back interest. To make matters worse the were reporting to the credit bureaus that I was 60 days past due even though the payment I made in XXXX was for the XXXX payment. I have reached out to them on several occasions to remedy the situation with no avail.
Consumer complaint received 2021-01-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (UT)

Dept. of Education/Nelnet is reporting negative information on my credit reports when i was in forbearance with them to where i was not making payments, But Nelnet is reporting late payments to credit files when they shouldn't even be there due to me being in Forbearance
Consumer complaint received 2017-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

The property inspector hired by Wells Fargo, our servicer, has come onto our property to harass us and take photos of our property from the front porch. This occurred on a Sunday morning at the beginning of XXXX. This was a violation of our property and our privacy and has caused us distress and embarrassment.
Consumer complaint received 2020-06-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Consumer complaint received 2021-10-31
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. (SC)

Showing a past due balance Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is accurately and erroneously reporting a 30-day late notation. I request an investigation into this.
Consumer complaint received 2018-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I tried to withdraw a sum of XXXX from coinbase on theXX/XX/2018, the withdrawal was supposed to arrive at my bank account on XXXX XX/XX/2018 but has still not arrived. I have contacted the company numerous times to no effect. I have not been given any reason or explanation for the delay. In fact as of now I don't know if I will ever see my money again. The customer service does not have a contact number where you can speak to anyone. The only communication I have had was 48 hours after I raised the issue. The response was that my case has been esclataed. 4 days later I have heard a single word from anyone. I am angry and frustrated and I feel helpless. This is not a fair way to treat anyone especially a customer that has helped the company make profit
Consumer complaint received 2018-07-06
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. (FL)

My husband and I recently reviewed our credit reports and found in accurate reporting of Late Payments of our auto loan payments to XXXX. The dates reported late are XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX and spoke to a representative in their accounts and billing department who informed me that the ( 2 ) late payments derived from an internal error. 

I am extremely upset that my husband my co-borrower and I have had our credit affected due to these errors caused by XXXX XXXX XXXX and within all honesty at our time of life the prospect of being bound to XXXX XXXX XXXX for a further couple of years worries me because this issue could have been avoided if better contact record keeping was applied. The whole issue not being able to contact us by phone is no excuse because I furnished our address and email address for notices such as this. 

I was not advised that XXXX was not able to contact us by phone because of inacurrate contact information that was input into my personal information ( please see initial contract which states incorrect telephone number ). Although I now reside in XXXX  my area code is still a XXXX XXXX XXXX which is simular to a XXXX  area code of XXXX it was input into their system incorrectly by the representative that completed the contract and was never updated although it is requested as part of the verification process each and everytime I contact their office which I have done on numberous occassions due to my irregular travel patterns that take us outside of the USA I frequently pay over the amount of my monthly installments which is {$280.00} and in advance.
Consumer complaint received 2020-11-16
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COVID19 shut XXXX XXXX down and I called to ask for extension they agreed but mark my credit report derogatory for being over 90 days late. I have asked them to remove this several times as I am trying to buy a home and can not because of these scores. In XX/XX/XXXX I paid entire credit card off in full
Consumer complaint received 2020-08-27
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: U.S. BANCORP (CA)

I had a credit card account Elan Financial Services from about XXXX to XXXX. 
The account was set up to be covered by an autopay from my XXXX XXXX Account. I closed the account in XX/XX/XXXX. At the time the balance on the account was either XXXX  or at most a few XXXX dollars. 
That was the last I heard from this account until it showed up on my credit report as a charged off account this year. Investigating more, is appears that the autopay was still active in XXXX and that the balance had never been paid off. It also appears that for some reason the autopay was interrupted at some point between XXXX and XXXX. 

Over the past two months I have repeatedly asked Elan financial services for the complete records for this account, and they have yet to send me anything except the last 18 months of statements, going back to XX/XX/XXXX. These statements do now explain why the account was not paid off between XXXX and XXXX, despite there being and autopay set up, which was supposed to pay off the balance in full. 

Finally, in XX/XX/XXXX, I paid off the balance of this account, hoping to make it go away, however it is still showing up on my credit report. 

I still have not received any explanation or documentation of what happened to this account between XXXX and XXXX. 

On XX/XX/XXXX tried to contact Elan Financial services to request that they delete this account from the credit reports. The person that I spoke with told me that the were unable to do this, and that they couldn't transfer me to someone who could. They suggested I file disputes with the credit reporting agencies, which I have already done.
Consumer complaint received 2018-05-05
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: ID Analytics, Inc. (SC)

I have attempted to place a freeze with XXXX XXXX I have sent them a copy of my ssn card and state id. I have explained to them I do not have any bills no cell phone bills or anything. Please freeze my records. My complaint as a consumer they are saying I must have bills to verify my address my phone is prepaid. Not only that I have called everyday and left messages and they have it called me back. Why cant I get a person on the phone. And why are they requiring only to help if I have a bill. This is violating my rights and becoming harassing. I have sent fax submissions as well. And my home telephone number is XXXX and I can be contacted by cell XXXX which is not paid by myself so there is no Bill for me. XXXX XXXX  never return my voice messages and never can be reached directly you get a voicemail