davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX 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 more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2021-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (TN)

I had a joint credit card with Wells Fargo with my ex husband. He has the debt per our divorce decree, it was paid up but he filed for bankruptcy in XXXX. He called them to pay it in XXXX and XXXX but was told the account was closed and no payment was needed. Then MY credit monitoring service showed the account as late this month. I called Wells Fargo who said they were not legally allowed to notify me the account was behind but somehow they could report it negatively to the credit bureaus?!? Honestly the ex could have spoken to a person and got clarification on the payment but I certainly had no way of knowing it was behind, it is now paid up and I have a negative hit on my credit foe an account that was no longer mine to pay on which I got no notice AND a bankruptcy I did NOT file. In addition, of the 3 credit agencies I could not reach a person at XXXX  to file a dispute, disputes are pending at XXXX, XXXX, AND Wells Fargo.
Consumer complaint received 2022-10-13
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2021-01-11
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. (PA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I am very disappointed. Please remove this fraud accounts right away!
Consumer complaint received 2021-08-21
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (OR)

Barclays will not stand behind us on travel services not delivered. They are using the excuse that the charge is over three months old. The problem is there was no problem until only a few weeks ago when the travel promotion company canceled our prepaid contract due to their interpretation of what they said broke the contract. They accused us of traveling with a party to their destination which would break the contract. However, we we were not traveling with a group. They used a change of flight plans due to the airlines that require a new arrival date and we requested to stay at the original resort. They first agreed to work with us but then abruptly canceled our reservation and kept our money with the excuse we were now traveling with a group. This is simply not true. We sent all documents to Barclays as requested. This is a scam, not only by the travel company in XXXX but by Barclays who promises to stand by deliverance of services. Since we paid well in advance of the reservation, they are using the lapse of time between when we prepaid and the promised delivery date. This is not right or ethical. How could we challenge within 3 months if the promised services were ten months away? If that is the case, their policy of standing behind deliverance of services should say explicitly they will not honor prepaid travel services if paid more than 3 months ago.
Consumer complaint received 2019-09-17
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)

On XX/XX/XXXX, I received a call from a collection agency ( " XXXX XXXX '' ) about a delinquent XXXX cell phone company account that I knew nothing about. The collection agency possessed sensitive personal information about me that I had never provided to their client, i.e., XXXX. I immediately started working to report and resolve this identity theft issue. Related to this effort, I obtained an Equifax Credit Report for myself ( XXXX XXXX XXXX ) dated XX/XX/XXXX, and confirmation # XXXX. In the Inquiries section of the report, specifically the subsection listing " inquiries that may impact your credit rating, '' I discovered one from " The XXXX XXXX/XXXX '' dated XX/XX/XXXX that I had no knowledge of. The store address given was as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TN XXXX. Today I attempted several phone calls to try to contact the XXXX XXXX consumer credit department to advise them of this case of identity theft. However, XXXX XXXX 's automated phone system never let me talk to a real person to report this issue.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, 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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/2021 Balance : {$190.00}
Consumer complaint received 2021-08-22
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: MARINER FINANCE, LLC (GA)

This company placed an inquiry on my equifax report twice without my consent, while this inquiry was removed from XXXX  due to fraudulently using my information such as social security number.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I was supposed to write personal check for my city of XXXX property taxes for {$6700.00}. 
I use online banking and no longer have an ordinary check book with exception of bank provided numbered check that was provided for me at the initiation of my account. 
I called Wells Fargo ( my Banking Institution and gave them the check number, XXXX, and told them that I was getting ready to write this check and would it be OK? customer service agent assured me that everything looked ok. I wrote the check and along with two bills ( for each 6 months ) to the city of XXXX Department of Finance. 

On XX/XX/XXXX I received a " Notice of Secured Payment Returned Unpaid '' Wells Fargo denied payment and as result I was forced to pay additional fine of {$330.00} plus {$53.00} fine for a bounced check. 

I had enough money in the bank, and the bank should have honored my check. 

In conversation with bank managers, first they claimed that city deposited the check in excess of two months period which is the banks grace period for their cashing a check. in another words they say if the check is submitted for payment later that two months of the date on the date that was written, then it would be declined. 
In contacting the city I was told that the check was posted on XX/XX/XXXX. Ten days to be exact, but not two months after the check was written. Then they changed their story and told me that it was denied payment because the accounts were not linked therefore they where unable to pay. This statement contradicts directly with what I was assured on the phone prior to writing the check and I thinks it is banks responsibility to cover the extra penalties I incurred. Banking institution ought to be a trusted source for their customers in relation to their finances, but not to create heart aches. 

I appreciate your assistance in resolving this matter.
Consumer complaint received 2019-01-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (DC)

On XX/XX/2019, Navient called to collect on my student loan and I explained that I don't have any money. They said that the only repayment option for me was to pay {$50.00} before they could defer my payments. I asked to speak with a supervisor and the supervisor was even less forthcoming with options for deferment or repayment. He offered my no options, the only option he offered was repayment. He did say they would stop the phone calls but that was all they could do. I then went online and saw that there was an option for deferment that required no payment upfront. I have deferred loans in the past and I have never been told that I have to pay before they would defer my loans.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IN)

Chase was offering overdraft refusals until XXXX ( without notice this reversals were not being conducted in XXXX ) I was utilizing this servie due to life events but when the fees were not reversed in XXXX it has put me into a never ending cycle. Since XX/XX/XXXX Chase Bank has charfed me for XXXX overdraft fees- a total of {$3200.00}. I have finally able to look into the fee history after overcoming the life event & prioritizing fee reversal after coming to a point of calmn. I've called Chase ( multiple depts including Collections dept ) & sent multiple messages through their app center & have felt very little efforts with each rep blaming system limitations. I am requesting for reversal since this was a service they offered & can not find a notice of this offer being discontinued. 

Breakdown of fees per month since XX/XX/XXXX : XXXX XXXX : XXXX fees XXXX : XXXX fees XXXX : XXXX fees XXXX : XXXX fees
Consumer complaint received 2021-02-12
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. (IL)

On my most recent credit report from XXXX, I noticed that the XXXX, XXXX, and XXXX accounts from XXXX were reported by both XXXX and XXXX XXXX XXXX. This looks like 6 delinquent on my report. The accounts were fraudulently opened anyway, but its even worse that its been reported double.
Consumer complaint received 2022-10-12
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: Millco Management (FL)

I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
Consumer complaint received 2022-10-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WELLS FARGO & COMPANY (FL)

CEASE AND DESIST To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 
According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, mails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2022-10-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: OCMBC, Inc (CO)

Loanstream Mortgage services my mortgage. They have been in control of it for 3 payments. This is the fourth payment. 
I have to call every month to make a payment. No one is ever available to take my payment. They say they will take my number and they will call back. They dont call me back. They refuse to send me a mortgage statement. None to date. I dont know how they are applying my payment. 
I have paid additional amounts and who knows what they did with that. Every month its the same thing. No one there can help. One person that answers their phone there can only say uh, uh, uh did you try online payment? Could not answer any question. This company is highly unprofessional. They have a fiduciary responsibility. At this point Im having to mail a check at last minute!
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC (IL)

i just talked ro lady from XXXX who said i need to get somebody from loan depot to take rhis off credit report and their to busy trying to sell me a loan i have no interest in to get to any one to take care of it
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (UT)

I am requesting the register agent and legal address for General Revenue Corp as I am needing to have a constable service serve them a legal affidavit I filed from Third District court. Please provide that information via the CFPB portal. Marking this complaint as a duplicate to avoid being served will be noted in the legal paperwork if necessary.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/22 I attempted to make an early payment on XXXX XXXX Citibank credit cards that I have. I was blocked from access to my accounts and called customer service to ask what was going on. I was told that my accounts were closed and under attorney control. I have spent over XXXX hrs. the past XXXX days trying to find out why this has been done. Both of my accounts are current. They have never been delinquent or over the credit limit. There was NO Reason for my accounts to be sent to collections and I did not close them. I cant get answers from anyone at Citibank as to why they have done this to me. I also have no way to make payments on the cards because they wiped me out of their system and blocked my access on line. I need answers NOW and a way to make payment. My next payment in due on the XXXX of this month and I have no way to pay it. Please help me!!
Consumer complaint received 2021-03-12
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: EQUIFAX, INC. (MI)

On XX/XX/2021 I contacted Equifax dispute department now the week before I contacted XXXX dispute department and pointed the problem out and the United States Department of Education student loan acct was removed. As I spoke with the lady and told her the acct one is being reported on when the government suspended all student loan activity due to Covid last year. This actual acct hasn't had any activity since XXXXwhich is ten years ago and should be removed which it was from XXXX but, Equifax will not put forth the proper due diligence in the matter. I continuously am given the run around. The information isn't accurate at all.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

After applying for an apartment I got an adverse decision response. After reviewing the information I found the report to provide false information, which I suspected was the result of identity theft. The Information has yet to be removed and I continue to get the run around as to the results of my dispute.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

I needed to have documents motorized and my local chase bank does not have a notary. Therefore I went to another bank, XXXX XXXX XXXX XXXX. XXXX XXXX charged me {$10.00} to use the notary. I then received a {$5.00} charge from chase bank for the {$10.00} charge from XXXX XXXX. 

I have never used another bank ATM and I was charged even thought I didnt use another bank ATM in this case. I was forced to go to another bank for a service my local bank doesnt offer. Therefore it is not fair that I was charged this fee.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, 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. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (PA)

Please provide validation of debt for this account with signature. As I have requested this before. 

XXXX XXXX XXXX XXXX XXXX XXXX