davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (LA)

I was impacted by a recent natural disaster. Per the XXXX XXXX which came into law during the pandemic, a business is not allowed to report consumers to credit agencies as LATE they are suppose to keep account listed as current and they are also not suppose to charge any late fees. I have reviewed all my credit reports and I have made the business aware that they have reported my account delinquent since I was late because I could not work due the coronavirus. They are not trying to fix the problem and remove all late and late fees from my credit reports and account. 

# XXXX # XXXX
Consumer complaint received 2023-01-11
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. (CA)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I placed a voluntary freeze on my Equifax credit data back in 2020. Since then I have tried several times unsuccessfully to get this freeze lifted. All attempts to resolve this via the Equifax automated system and customer service personal have failed. Every time I speak with a representative my case gets " escalated '' but there is never any follow up or follow through. 

As every credit provider utilizes Equifax I'm essential unable to utilize any form of new credit.
Consumer complaint received 2022-11-09
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. (FL)

There is an account through XXXX Bank showing on my credit file as a charged-off account I have called this company to find out what this is and they do not have anything in their data base with my information. I have disputed this and still this company list this inaccurate data on my credit file. Please help
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (DE)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX {$4200.00}
Consumer complaint received 2019-12-05
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. (NC)

I was recently made aware of fraudulent information being reported on my credit report. After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

chase claims they will no longer be banking with me and my account closed but they did NOT notify me NOR I AM I ABLE TO WITHDRAW ANY MONEY IN MY ACCOUNT. I I HAD TO CALL CHASE TO SEE WHY MY ONLINE BANKING WASNT WORKING
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (IN)

On XX/XX/XXXX and XXXX XXXX charges were made on my PNC XXXX in equal amounts of {$2200.00} to XXXX XXXX, XXXX. Upon notifying the bank that these charges were fraudulent I was asked if my address was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX. This is NOT my address and has never been my address. The bank representative at that time claimed my address was changed through the XXXX. A different representative that same day said that information was not accurate. These charges were removed and did not post to the account. I am making this complaint to provide a record of this fraud and have added additional security measures to my account and credit bureaus. 

A few days later my address was changed again to XXXX XXXX XXXX XXXX, XXXX XXXX. 

I canceled the credit card and requested a new card which was received in an unsealed envelope so I canceled the credit card again and have requested a new one once more. This card has still not been received but was said to be sent to local PNC branch for security purposes. I received a tracking number yesterday from the bank and should be able to track down my card with this information. 

Concerning this fraud and identity theft, I have filed a police report with my local authorities, the XXXX XXXX Police Department, report # XXXX.
Consumer complaint received 2019-12-05
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. (NC)

About 4 months ago i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AL)

I have made several attempts to resolve things with Equifax but they continue to willingly and knowingly damage my livelihood and reputation with unlawful and fraudulent reporting on my consumer report. This is an attempt to settle my issue with them before filing a civil suit in my local magistrate court against their registered agent Equifax. 

Please see attached letter and ID theft report for the list of accounts and inquiries to remove and update late payments to 100 % paid on time.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

I received statements from both Discover and XXXX XXXX in XXXX of XXXX indicating that I owed balances on credit card accounts. On XX/XX/XXXX, I sent letters to the XXXX or each company requesting that they validate the alleged debts within 10 days by providing information as required by USC 1692 ( G ). After not receiving validation of the debts, I followed up with the companies. On XX/XX/XXXX I sent a Notice of Fault to each company informing them that I still had not received the required items to validate a debt per USC 1692 ( G ), and asked them once again to provide the items required by the USC to validate a debt. Since I still had not received validation of the alleged debts from either company by XX/XX/XXXX, I submitted an FTC Identify Theft Report. I submitted this report since I believe that these accounts are fraudulent, and I am the victim of identify theft. As of XX/XX/XXXX, I have still not received validation that these debts belong to me. I have, however, received calls, letters, and texts from both companies repeatedly demanding payment for these alleged debts. Recently, Discover sent me a letter indicating that they were preparing to file a lawsuit against me for failure to pay this alleged debt. Additionally, aside from harassment, Discover and the Credit Reporting Agencies ( XXXX, XXXX, XXXX ) have damaged my financial reputation by indicating that I owe these debts. With this complaint I am once again requesting that Discover provide validation that this debt belongs to me per USC 1692 ( G ). If no such validation can be provided, I demand that these accounts be removed from my credit report immediately.
Consumer complaint received 2021-04-20
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: FC HoldCo LLC (TX)

I have called flagship and have not received a straight answer as to why my account shows 90 days past due. Shows my last payment to be XX/XX/XXXX. I have filed disputes with transunion. I filed a complaint with the BBB and my account was current for a week and then it was reported back to 90 days past due. These past due payments are affecting my credit score. I have been making payments and Im actually payed ahead by about {$200.00} dollars. I continue to file disputes and nothing changes and I dont know why? If you look at the payment history nothing for XXXX is updated.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have XXXX cards from Capital One, this bank has the audacity to levy an interest rate increase and begin to charge an annual membership fee at their will. When I first received the credit card there was no stipulation on interest rate increase and membership fee. If you review my statements you will notice when cards was first issued there was no increase in APR and no membership fee. My credit is very good and I have repeatedly emphasized this to Capital One Bank- my credit worthiness is acceptable. I have contacted Capital One- their reply is Not reasonable and has no sense. 
I had the opportunity to combine my credit card and each attempt was denied I did asked the customer representative if I qualified and was told several time that I was, these events are recorded.
Consumer complaint received 2016-12-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX properties ), inquiries, etc are not mine. I am livid, XXXX off that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, XXXX, XXXX and XXXX 2016 this is it ... XXXX Properties was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, and have only had a XXXX XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Consumer complaint received 2023-01-11
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-11-09
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: SYNCHRONY FINANCIAL (TX)

Care Credit/ Synchrony is in violation of the GLBA for non-disclosure. They have been notified of the non-compliance and they continue to willfully invade my privacy by disclosing my private- non public financial information. Care Credit/Synchrony is infringing on my right to privacy pursuant to FCRA.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NC)

I have a Wells Fargo credit card. I was offered a promotional balance of XXXX XXXX for a transfer fee which I accepted and was charged that transfer fee. Subsequent to the balance transfer, I made a purchase of {$280.00}. Within 8 days of that purchase ( within the grace period ) I submitted payments totaling {$300.00} as well as the minimum payment due ( before and after that billing cycle ). I was surprised to see that Wells Fargo was charging me interest at the regular purchases rate for that {$280.00} purchase. Instead of allocating my payments towards that purchase, Wells Fargo is allocating payments towards the promotional rate balance that is XXXX XXXX and that I already paid a transfer fee. With this bank policy, Wells Fargo will continue to charge the regular interest rate until that promotional balance is paid for thereby negating the entire purpose of accepting the promotional rate and paying that transfer fee. This appears to be an unfair practice by Wells Fargo.
Consumer complaint received 2015-10-15
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express XXXX skymiles card never refund me the money I over paid, and they cheated and held my money for 4 months saying they have sent me the check. I requested 3 times for the refund check and still have n't seen it!!!!!!!!! 
I have lived at my current address for 1 year now and never have a single problem with receiving mails or anything!!!!!
Consumer complaint received 2017-10-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WILSON & ASSOCIATES, PLLC (TN)

The property mortgage is in XXXX XXXX XXXX who is my deceased mom I am currently residing in the property and I want to maintain ownership of my moms house. I 've submitted several modification request to the current mortgage company after being unsuccessful with them not processing my request a property foreclosure sale date was set for XXXX/XXXX/XXXX. I contacted an attorney and he filed a injunction with chancery court of XXXX XXXX XXXX/XXXX/XXXX. XXXX and XXXX the foreclosure attorney moved forward with the foreclosure XXXX/XXXX/XXXX even though I had a signed order from the court not to foreclosure
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (TX)

IQ Data continuously mails me a debt that contains no verification or itemized statement of what I owe, and despite the 5 emails I have sent, I have received no confirmation of my dispute and continue to be harassed by the company without any verification of the debt.
Consumer complaint received 2022-11-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Denefits LLC (WA)

I receive many texts messages stating that they are going to take legal action against me and when I responded was told I am XXXX and have XXXX XXXX. I have never received anything by mail and I don't belive the amount they are charging me is correct. Also told them I was at a funeral but he continued to text me, my boyfriend ended up actually calling him to tell him he was being unprofessional in which the guy started to say obscene things to him as well.
Consumer complaint received 2020-08-10
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. (GA)

On my XXXX XXXX Account you have a late payment listed for the month of XX/XX/18. 
I have never been late on any payments. 
According to the FCRA information reported must be reported accurately.
Consumer complaint received 2019-12-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MN)

Hello and thank you for taking the time to review my issue. 

I have been struggling to have my federal student loan consolidated for over 4 years now with multiple late payments resulting on my credit score. I am currently paying on the Great Lakes Stafford Loans ( serviced by NelNet ) separately from the rest of my student loans as a result of their refusal to consolidate even after multiple requests and applications for them to do so. I am attaching record of my consecutive late payments on my credit report resulting from my struggles stemming from this issue with Great Lakes and severe health issues that my father underwent during that time which forced me to relocate and assist my family. At this time I am struggling to pay my car loan that sits at a 19 % rate, my credit cards and other debt that is feasting on me with high interest rates due to the derogatory marks from my student loans. Please, if there is anything you guys can do to assist I would be forever grateful. I have not gone late since this past streak on any of my credit accounts.
Consumer complaint received 2019-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (CA)

I recently ran my credit and come to find that Barclays Bank is claiming that I owe a sum of {$620.00} to an account that is not mine. They are claiming I had used their credit card, made 3 payments and then let the account go into collections. Barclays Bank is claiming I opened this account XX/XX/2019. I have tried to reach Barclays several times, through different numbers found on their website with no luck of being able to talk to an actual person about this matter. This issue can be due to identity theft, mistaken identity, or fraud on Barclays behalf. I have tried to reach out to Barclays to see what bank account these " payments '' were given from, but again, it has been difficult to reach anyone at the bank. I have a perfect history of paying off my accounts, and can show proof of this if needed. I have absolutely no knowledge this account existed and have received absolutely no paper work, letters, e-mails, or phone calls regarding this supposed account. I have disputed on XXXX  concerning this matter, their findings of my dispute has been verified as accurate, which is considered to be completely false.
Consumer complaint received 2019-12-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (CA)

I received a bill from NRA Group LLC on XX/XX/XXXX that states " this is an attempt to collect a debt, '' on behalf of XXXX XXXX, which is a pharmacy concern. No identifying information regarding the product purchased is included in the letter, which contains only a reference number, but fails in its duty to disclose the date of purchase, type of purchase, and date of prior statements. 

I never received an invoice for anything from XXXX XXXX. All I received was a threatening bill that amounts to extortion. When I called NRA Group, as their letter instucts, I was told they could give me no information but referred me to XXXX  XXXX  for additional information. 

NRA Group failed in its duty to disclose the basis for the debt. They threaten collections action without providing any pertinent information. While I am told in the letter I can dispute the bill, no information in the letter allows me to identify what it is I am disputing, and calls to them to do so resulted in staff refusing to provide information that would have allowed me to dispute, or even understand, the charge. 

The actions of NRA Group are arbitrary and capricious, and constitute illegal racketeering, insofar as no information was provided either initially or when requested that would allow a reasonable consumer to understand the nature of the financial charges alleged.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On or about XXXX XXXX, XXXX, Bank of America asserted a " right to offset '' against my account to pay off an Overdraft amount of {$150.00} associated with my son 's Bank of America account because I added my son to my account as an " authorized user. '' I am not a joint owner on my son 's Bank of America account and therefore asserted that they should not take my money to pay any account that I am not owner nor part-owner. 

I 've been member of Bank of America since XXXX, opened in XXXX NC. I added my son as an authorized user in XXXX. I have had my payroll directly deposited into my account since XXXX.