davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone was using my information, THIS WAS NOT ME!!
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MO)

I applied for a Discover card 7 days from XX/XX/20. I recieved the card and then a call from Discover asking to fill out a ACTION REQUESTED : Please eSign the required IRS Form 4506-T. This was requested to XXXX. 

I am not a scholar in government, however how is it possible that a consumer retail bank can get assistance to verify income for comsumer products from the government. This is not a loan fund by any government program. 

I would think that any consumer products should be confirm with vendors outside the government and what fees and kick backs does the IRS get for verifying this information and how much of my information is shared with both parties. 

I believe this has to violate some law. 

Please advise.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Someone was using my information, THIS WAS NOT ME!!
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I tried to refinance my mortgage due to a hardship with a divorce and a custody battle. Wells Fargo asked me to go in forbearance ( not explaining ). Now I'm trying to assume payments and refinance my mortgage but they want the total balance due which is XXXX. I have tons of equity built up and a balance of XXXXowed. All i ask is for the help to refinance my existing loan. I go to court XX/XX/XXXX for the final custody issues and hopefully with me having custody of my son i will not have to pay child support any longer.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (PA)

This is my NUMEROUS 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 accounts 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 accounts from my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$1400.00} XXXX XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$1300.00}
Consumer complaint received 2020-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (MD)

I have been struggling for 7 years to pay off my student loans with Discover Student Loans. Currently, I am at {$2000.00} a MONTH. I got out of a repayment option that bumped up my monthly payment. I have tried to consolidate with Discover and they have told me that I have exceeded the amount they can consolidate. Yes, the loan company that willingly gave me this at ages 18-22 ( this is predatory lending!!! ) will not consolidate their own loans. I have asked to go to court to renegotiate but they said I would need to get an attorney. All the attorneys I have spoken to have told me that I would need to default on my loans to go to court. I am not going to further ruin my already bad credit for a CHANCE to renegotiate my monthly payments. Discover will not work with me to lower my regular monthly payments. 

I do not want to default in order to sue. I want my monthly payments lowered or my pay off date extended. I am unable to survive like this. I don't know what other legal means I can turn to pay this. I feel like I'm being forced to do crime to pay this off.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MI)

The bank keeps arbitrarily honoring ACH withdrawals even though I had a negative balance. I am being charged {$36.00} for each " bounced check ''. This is keeping my balance continue to go into the negative and I have not been able to afford to close the account once and for all. The bank is PNC Bank.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 instruction
s
Consumer complaint received 2023-03-17
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: WELLS FARGO & COMPANY (FL)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO HOME MORTGAGE. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

ftc violations : XXXX XXXX XXXX  XXXX dept of ed XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a  consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Consumer complaint received 2021-10-02
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. (FL)

On XX/XX/XXXX, XXXX I sent a " Request for Investigation '' form to XXXX to have 2 companies removed from my report. The first was XXXX XXXX whom was the subject of a lawsuit in which the were found at fault. 
The second was a collection company who had bought a debt from a company I had never had any dealing or knowledge of. 
XXXX did not do any investigation into either account and just sent me a reply on XX/XX/2021 that both accounts were verified and updated. So both accounts are still on my report.
Consumer complaint received 2020-03-09
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. (IL)

The following entity is reporting to the normal credit reporting bureaus that I have an outstanding real estate loan with their organization : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX, ( XXXX ) XXXX. After seeing the reporting for the first time on Saturday, XX/XX/2020, I immediately contacted them and confirmed they have absolutely no record of me in their systems. It may be they are including me in their reporting of my ex wife 's mortgage. To be clear, I was NEVER on any loan associated with her current residence, even though the same was purchased during our marriage. I have asked both XXXX and XXXX  to cease this reporting and they continue to simply send me to the other entity.
Consumer complaint received 2022-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

I have been living outside of the country since XXXX, I am now looking to move back to the states and I am trying to get a new home. My credit was pulled and my scores were lower than I was anticipating. Upon review of my own credit report I realized there were several inquiries and accounts on my credit report that I was not associated with. 

The accounts are listed below : IQ DATA INTERNATIONAL Date opened : XX/XX/XXXX Amount owed : {$14000.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX : {$510.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Amount owed : {$390.00} Date opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount owed : {$83.00} Account Number : XXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount owed : {$0.00} Account Number : XXXX
Consumer complaint received 2022-04-24
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: Experian Information Solutions Inc. (MI)

There is information on my report that isn't 100 % correct and due to Code 15 U.S.C 1681 Sec. 602 A. states that I have the right to privacy.
Consumer complaint received 2020-03-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IQOR US INC (CA)

I received a telephone call at my place of employment on XX/XX/2020 from someone claiming to represent Allied Interstate LLC on a debt that I am currently entering into to a payment plan and has already been subject to wage garnishment by another entity. The caller stated that wage garnishments will begin on XX/XX/2020. 

The caller was asked to provide written or email documentation of information, validation, and verification of the debt being recalled from the previous collection agency and placed with Allied Interstate. The caller stated the " We don't do emails. That's not how this process works. You need to talk to someone over the phone. ''
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I have received a letter with the letterhead of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, IA XXXX. Letter states that I had applied to a Credit Card and states that I must call them to verify my identity. It also then states that this is about credit decision and consumer report. The letter asks that I contact Equifax. 
I never applied to a XXXX XXXX credit card. I believe this letter is a Fraud Letter to which I will not answer, nor will I call Equifax. 
I read on the internet that these letters are going out to people with an identical letterhead as that of XXXX XXXX. My concern is that whoever is doing this is obtaining my identity information and could be causing further damage to me and to others.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MD)

Saw advertisement in the XXXX pumping area of XXXX stating XXXX cents per gallon discount for XXXX month if you get wawa credit card. After several times and considering the Extremely high prices of gas XXXX cents per gallon would be a Blessing in XXXX for anyone. Finally on XXXX XXXX, 2022 @ XXXX my husband decided to apply for this card. So I used my phone and applied for him as he watched all data I entered and by XXXX we received a response of " You're Approved. Set up your account to access all of your card benefits '' So I replied YES want to Check Card Balance Online, YES want to view statements and letters online. Next had to enter user ID then password. Next CONFIRM your Paperless Statements and Letters Enrollment -- - Which I did CONFIRM @ XXXX. Then the wawa system said " You've set up your account and preferences. Her are your card details ''. Next showed my husband 's name his cr limit & his Variable APR % rate. Next asked did you want to enter additional user. My husband said he wanted to add me as a user with my own card so I entered my name and dob. Now it's XXXX XXXX the XXXX System now shows my name blocked out my dob and said same address -- but listed my last name DIFFERENTLY THEN ACTUALLY IS. My Last name is : XXXX XXXX XXXX -- XXXX XXXX, XXXX XXXX and all other letters lowercase and each word separated ONLY BY SPACES, NO HYPHENS!!, yet their system CAPITALIZED THE D in XXXX -- -- -WRONG WRONG WRONG WRONG. 1st statement ( stmnt ) arrived in the mail and does not display a proper auditable ( in accounting ) transaction number of gallons X price per gallon, and APPLIED DISCOUNT AND PURPOSE OF DISCOUNT APPLIED, XXXX. New CC Customer XXXX cents per gallon, DOES NOT Distinguish GASOLINE transactions from STORE Transactions. XXXX ( XXXX CENTS PER GALLON DISCOUNT ) Cents per gallon discount may or may have not been properly applied, due to no way to prove this is HORRENDOUS statement. Horrific Customer Service Representatives, who are XXXX, and possess no decent customer service skills. In Conclusion I must conclude WE/OUR ACCOUNT was not issued sufficient credit to equal XXXX cents per gallon, nor XXXX cents per gallon for all gasoline fillups past XXXX days. PLUS the amount of time, energy, effort, and supplies in my attempts to amicably resolve all these issues The wawa credit cards arrived at our residence on XXXX XX/XX/2022 -- i have proof it you need it. I has have proof of both calls to XXXX XXXX card and names of employees spoken with, if you need it 1st statement from wawa cr card received XXXX XXXX, 2022 -- see pages enclosed.
Consumer complaint received 2022-03-16
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. (IN)

On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was homeless, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX XXXX, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX XXXX, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and XXXX  XXXX 's email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WV)

In XXXX, XXXX I purchased a truck from XXXX XXXX in XXXX, West Virginia. They informed me at that time that they could not pull my report from Equifax. That it was blank and that I needed to contact them. I did contact them and they said nothing was wrong with it. I believed it was fixed until I went to apply for a loan with XXXX XXXX XXXX on XX/XX/XXXX. They informed me that they could not pull my credit at that time that it was blank. Since that day, I have called them almost every day trying to fix this problem. XXXX XXXX contacted Equifax Business department. Equifax told them that it was something wrong and that I needed to contact them. I did this. They said nothing was wrong. I was given other numbers to contact. I have called them all. They asked that I fax my drivers license, social security card and w2 to the dispute department. I did this. They tell me that they received it and that it was fixed. I call back to XXXXXXXX XXXX and it still isn't fixed. I called again today and they say wait 30 days from Equifax and they would investigate it. Now my wife has had 6 hard pulls on her credit because we keep trying because they tell us that it is fixed. I have nothing else to do but to contact you and then an attorney. I have been patient but this is 6 months and was told finished and nothing has been completed. I need assistance.
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Its been over 30 days since I have reached out to the Credit Bureau and have yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2022-03-16
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. (CA)

Equifax has issued Credit Reports for my SS # under the incorrect name of XXXX XXXX XXXX since the XXXX 's and after my repeated requests, has not corrected their misinformation. 
Therefore, I mailed a request to the company to include on the Credit Report for XXXX XXXX XXXX statement : Re : Social Security # XXXX Equifax erroneously lists XXXX XXXX on Credit Reports it issues regarding the Social Security Number XXXX as the name of the holder of this SS #. The true holder of this SS # is XXXX XXXX XXXX, aka, XXXX XXXX XXXX, XXXX. 
Since the XXXX 's Equifax has been reporting for this SS # the erroneous name XXXX XXXX and also accompanying erroneous credit information, despite requests that this information be corrected. 
There is no one in the SS # holders family by the name of XXXX XXXX, and no such person or entity is known by the SS # s holder. 
However, you can fully rely on the credit information of this SS # provided by the companies XXXX and XXXX whose information and data is up-to date and accurate. 
I am writing the CFPB to insure that Equifax complies with my legal right to have my statement added to my SS # 's Credit Report. 
I would also like noted that Equifaxs reporting this incorrect information and not correcting it is another instance of the companys incompetence, flagrantly demonstrated by its data breach in XXXX of the personal information of XXXX XXXX people.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-03-16
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)

This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.