davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

I bought what I thought was a pre-paid card for my niece XX/XX/2016 for a XXXX gift. She tried to activate the card, but was unsuccessfull, so I had her send the card back to me. The card is from NetSpend.  I tried to activate the card myself, but they wanted her SS #. I finally got her SS # and tried to activate the card. When I call the number, the computer says there is no account. I finally emailed the company and today they called me. They wanted lots of information from me including my SS #. The original amount was {$200.00} on the card. They tell me now it's {$130.00} due to fees. This seems illegal to me. My understanding is you can't just arbitrarily charge fees. I wouldn't give them my SS # and told them to send a check for the balance to my home. They said it would take 6 to 10 business days to get the check. I don't know if I will ever see the money, but I would really like to know how NetSpend is able to charge {$65.00} to hold on to my money for a little over a year. My guess is there are many people being taken by this company. At the grocery store where I bought the card, it looks like an ordinary XXXX cash card, which I have bought before with no trouble. There is nothing about activating the card or ongoing fees. I paid the usual small fee for the card and had no idea there would be anything other than just using the card as a XXXX card. NetSpend seems like a scam. Thanks for your help!
Consumer complaint received 2020-10-23
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)

I have been a Victim of ID Theft and multiple Inquiries are reporting on my Equifax credit report from XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX. I have enclosed a letter with the dates of each occasion. I have contacted Equifax explaining the situation and they have referred me to XXXX to have the fraudulent inquiries removed. I contacted XX/XX/XXXX and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that my personal identifiers information be updated to the correct information. My first and last name is XXXX XXXX there should not be any other name on my reports. Please remove and delete them and allow my information to be updated with the correct info.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, PC (GA)

I received a letter from Ragan & Ragan , PC. It states they represent the company that purchased the debt. I disputed the debt. They somehow were allowed to get complete copies of everything pertaining to the debt. I asked who gave this documentation to them but have received no responseI also disputed the amount. If they purchased the debt, how much did they pay for it. No response. This is a violation of my rights!
Consumer complaint received 2021-08-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (NJ)

I have an loan with NFM Lending and they have messed up my account. I have live hear for 14 months and have made 15 payments but they say I'm delinquent. I have talked to several supervisors and this issue is not fixed. I have reached out the VA administration for help and this company has not given them the information to fix my account. I sent NFM Lending my payment history and still they say I'm in delinquent {$990.00}. I have reached to the person who works for the company that sold me this home and the problem is not solved. Can you help me?
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

On XX/XX/2019 I received a phone call from " XXXX '' with XXXX XXXX XXXX XXXX at phone number ( XXXX ) XXXX claiming to have the ability to consolidate my federal student loan, forgive all interest on the loan ( and only pay on the principal amount ), and have payments as low as {$39.00} a month based on income. Questions were asked including : " is this X person I'm speaking with? '' " Can you confirm that your email address is X? '' and " Can you confirm that your birthdate is X? '' I did not confirm nor deny any of these questions and used that language. This " XXXX '' person was very pushy and told me he can only help me if I help him by answering his questions. XXXX was then told that I would not be answering questions for information he already ( supposedly ) had access to from the federal government. He then apologized for taking up my time and hung up.
Consumer complaint received 2019-06-06
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)

After reviewing my report for the first time in years I noticed multiple accounts that I did not open or have knowledge of. I called in to the credit bureaus for help and was told to file a report and submit it with the proper identification to them.
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

XXXX charge of {$81.00} for XXXX XXXX XXXX was made to my account. The charge never went through and had to pay XXXX XXXX XXXX in XXXX, NC {$81.00} in cash because the charge never completely processed and is still pending. Wells Fargo refuses to cancel the pending transaction. I need this resolved without me having to seek legal representation and file a lawsuit against Wells Fargo. As soon as my money is returned to me, I will be CLOSING my Wells Fargo account. They are a sorry XXXX XXXX XXXX company.
Consumer complaint received 2022-08-22
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. (MN)

The following credit card accounts currently listed and showing on my Equifax and XXXX credit report is lost/stolen : XXXX XXXXBalance : {$330.00}, XXXX XXXX XXXXBalance : {$380.00} XXXX and XXXX XXXX XXXX/Balance : {$500.00}. The following collection account currently listed on my Equifax credit report is a fraudulent collection account and not my collection account : XXXX XXXX XXXX, Balance : {$5600.00}. The following credit inquiries listed on my Equifax credit report are fraudulent credit inquiries and not my credit inquiries : XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2021-06-30
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. (NJ)

I submitted 3 disputes with Equifax over the past 3 months. Each investigation led to Equifax updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. Equifax says the creditor confirms this is accurate but how can this be the case if another bureau XXXX XXXX  XXXX has deleted the collection per my request with their investigation and conversation with the creditor?
Consumer complaint received 2022-08-22
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/2016 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I was told by XXXXy, Chase Bank Manager, XXXX, MD, on Saturday XX/XX/XXXX, after she spoke with XXXX XXXX and I to verify my XXXX deposit, Chase would open a new account and transfer my money ( XXXX ) into my new account. I was told I could open a new account, XXXX open a new account and was transferring my money by into the new account, the next day This never happened. I was then called by a bank manager, and I was told they were going to closed the new account and would not let me speak with XXXX, Bank Manger previously spoken to, who gave me her business card as a contact through this issue. After Chase closing my new account XXXX  opened, I was told they were sending my check instead in three days, which was 3 weeks ago. Chase closed my account, never sent a check, or gave me access to my old account or new account even after my identity was verified and deposit proved twice now. I was not allowed to see my balance, or a detailed transaction list. I dispute the amount verbal stated to me, and requested detailed account summary, never received for original account It has been three months plus now, since Chase has frozen/kept my XXXX money needed for my children in collage and medical bills. It appears Chase plans to keep my $ XXXX because they have not kept there word. I need to my XXXX now please receiving a call from the chase corporate office when I calling speaking with bank manger at Chase and FRUAD dept, I was told over a month that this would get resolved, but has not. I called Chase fraud department and was told to come in and present proof of identity and deposited was mine, I did. MrsXXXX XXXX at the XXXX XXXX XXXX XXXX branch, got copies of my drivers license and load paperwork as proof of identity and deposit. This also was verified when XXXX XXXX deposited the XXXX
Consumer complaint received 2017-12-20
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: EQUIFAX, INC. (CA)

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the  consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.
Consumer complaint received 2021-08-09
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, Im writing this letter to dispute the following accounts : Fraudulent Accounts XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX By reporting the accounts listed above your company is in violation of 15 U.S.C. 1692g.I was not notified of any of this alleged debt, nor the reporting of this alleged debt 5 days prior to any action being taken against it. As a consumer, and the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report, as any reporting of alleged debt that is not validated is an act of fraud. Please also send me an updated credit report reflecting these changes.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in legal actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2021-08-09
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. (CT)

In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my Equifax, XXXX, and XXXX  credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (ID)

In the month of XX/XX/2018 I reached out to the account management for XXXX XXXX XXXX. I was beginning the process to move out and terminate my lease with a pre- arranged resident to take over the remainder of the lease term. The company agreed to this arrangement, I then proceeded to begin a new lease at a residence that was a better fit for my situation at the time. At this time I received a move out agreement. When it came to the day the take over was supposed to proceed the other resident backed out of her agreement and I was notified by XXXX XXXX that I was once again responsible for the remaining rent for the lease term. I was notified a payment plan could be an option and management agreed and had me sign a payment plan starting at {$25.00} a month, with the option to increase payment amounts later on if able to. After sending my first payment I was notified by management that I was now required to pay the full amount in 30 days because of policy change by corporate. I asked about the previous payment plan and why my signature on that document was over ridden and no longer in existence. No answer was given but a reply with the offer of bringing the payment owed down by 40 %. I was then told that someone would be taking over my lease XX/XX/XXXX and that I wouldn't be responsible for XXXX-XXXX rent. I was not able to pay the full amount by the 30 day deadline so my account was sent to collections, for more than they said I owed. I have tried to call multiple times and get in contact with anyone who can help and have had no luck in communicating with anyone to help with my situation. I was able to save some of the emails and documents they originally emailed. This has had a very negative impact on my credit score given it is the only negative situation I have.
Consumer complaint received 2022-07-27
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: Maximus Federal Services, Inc. (TX)

Department of Education XXXX XXXX loans on ny account that have been cleared because of my Permanent and Total status. Accounts are reported on my XXXX XXXX XXXX reports. XXXX was removed from XXXX. There is no money to collect. There is no court order or judgement giving permission to collect, garnish wages, etc. Violates 15 US Code 1681b
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX {$590.00} ; XXXX XXXX XXXX {$240.00} ; XXXX  XXXX {$880.00} Accounts are not mine and were illegally put on my credit report
Consumer complaint received 2019-06-06
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. (VA)

There are several discrepancies that Ive disputed with the credit bureau and they refuse to fix or remove them in a timely manner. The first is the XXXX XXXX account. This account was disputed years ago and it was allegedly removed but Equifax and XXXX  has not removed it from my report. The second is XXXX XXXX. I have not conducted any kind of business with this organization. I dont know if they purchased an old debt of mine of whatever the case may be but that would enter XXXX and that organization into an agreement not XXXX and I. I also have a bankruptcy on my report that has been there over seven years that the bureaus have verified through XXXX XXXX but there is currently a freeze on the information being verified through XXXX XXXX. They are a third party and not allowed to verify damaging information. I asked the bureaus to remove the bankruptcy due to inaccuracies in the case filing details and there are no laws that say that a public record has to stay on my report for a minimum amount of time. There are laws that refer to the maximum amount of time they can report the public record but it has been well over seven years. If the bankruptcy was verified through the court, I would like the name of the person spoken to, the court called and the phone number used to verify the information. There are student loans on my credit report that I would also like removed per FERPA, I dont have to reveal any information regarding my education if I dont want to do therefore I would like those removed as well. My report should have been updated long ago about XXXX XXXX XXXX. This account needs to be removed based on me filing a dispute and it not being resolved until over 60 days later. I have attached the canceled check showing that I paid that debt over two months ago and it was showing delinquent and hurting my score and there was nothing done about it.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and Equifax credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Consumer complaint received 2021-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (SC)

I was in process to refi my house and discovered a collection account from MRS BPO in the amount of {$210.00}. This was a debt i informed them had been paid direct to XXXX in XXXX of XXXX, for an account closed from XX/XX/XXXX. At advice of my loan officer was to pay and request a deletion for better rates. I called XXXX XX/XX/XXXX requested that if I pay would they remove from my credit report. She informed me that once XXXX  notified them balance is paid it would be deleted. Now they are saying they never stated that, and that they cant delete collection items reported to Credit Agency, but yet they can put it on my report. Please be careful and know rights as I should have used a pay for deletion agreement. Unprofessional practices