davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

XX/XX/XXXX XXXX XXXX XXXX reported a collection in my credit file on behalf or XXXX XXXX. 

XX/XX/XXXX The account was removed from my accredit reports for inaccurately reporting a paid account. 

On XX/XX/XXXX, I discovered XXXX XXXX re inserted the same INACCURATE collection account on behalf of XXXX XXXX in my credit file. To my understanding the credit bureaus are required to notify me within ( 5 ) days of re-inserting a previously deleted item. I did not receive such notification. 

XX/XX/XXXX The account was removed once again from my credit reports for inaccurate reporting. 

XX/XX/XXXX XXXX XXXX XXXX re inserted the SAME INACCURATE collection account on behalf of XXXX XXXX for the 3rd time. Once again, I did NOT receive a notification of reinsertion. 

XX/XX/XXXX, I disputed this account with XXXX XXXX XXXX, they did NOT provide sufficient proof of validation. 

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the credit buraus are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

The FOLLOWING derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, the infractions are as follows : INACCURATELY REPORTING BALANCE INACCURATLEY RRPORTING DATE OPENED INACCURATLEY REPORTING ACCOUNT NUMBER INACCURATEY REPORTING THE ACCOUT STATUS AS OPEN INACCURATLEY RE INSERTING A PERVIOUS DELETED INACCURATE COLLECTION ACCOUNT NOT SENDING A NOTICE OF RE INSERTION
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
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 — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I leased an automobile through XXXX in the year XXXX. The lease agreement term listed was 3 years ending in XX/XX/XXXX. I had reached out to XXXX to discuss the Account status on my credit report as lease terminated balance owing, However the account had been re-aged to show activity as recent as XXXX XXXXThis is a violation of the Fair Credit Reporting act. I was then transferred to a debt collection agency by the name of XXXX XXXX XXXX without being given any information from XXXX. Upon the transfer I was told by XXXX XXXX XXXX that I am not listed as a person to speak to which is odd considering i am the co-lease on the joint account. I was told this by the debt collection agency which is a violation of the Fair debt collection Practice ACT. I was not properly informed due to the fact that I am not even listed as a person to validate the debt with.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (UT)

My wife and I set up a joint XXXX  account with Citibank in XX/XX/2022. We used it for a bit, having problems with getting his XXXX  XXXX deposited. Just when we thought we had it figured out, and he began getting direct deposits there as well, we got a notice that the account was going to be closed ( mid XXXX ). 

Then XX/XX/XXXX we got an email saying that our information was incorrect and that our account was not being closed, and the XXXX we got an email stating that our statement was ready. However, we were unable to log into our account ever since they said it was closing. 

My wife called customer service to see what was going on, and it turns out that yes, they were closing it, and they said it would be XXXX days before we would get a check with the remaining funds in the account. We tried setting up several appointments for a phone call with a branch ( we live nowhere near XXXX ) and they never ever called at the scheduled time. Then, the end of XXXX, we got another notice that the account was being closed. 

So, we thought our account was going to be closed since XXXX, in XXXX we got conflicting information. We called and confirmed and they said, yes, you'll get a check in XXXX days. 

Well, then XXXX, XXXX, XXXX roll by. We call mid XXXX to see where the money is. They say they're so sorry and will send it in XXXX business days. Of course the Spanish help line can only do basic inquiries and the rest is done by Indians will such a bad connection that you can barely tell what's going on. We get transferred at least XXXX times per call, and are on the phone for almost an hour. They finally give us a case number and said that we can call and see what's going on. 

So, we wait. No check. Things get crazy busy, and we finally have a quiet minute to call again. We call after XXXX and no one can help me. I have my wife call, and they say the account doesn't exist. We get transferred a XXXX times again and she's on the phone for an hour trying to figure this out and telling a XXXX departments what's up. Finally, they assure her that the request has been approved and a check will arrive in XXXX business days. 

Today has been XXXX business days NOT counting XXXX XXXX 's observed. No check. We've been waiting now almost a YEAR to get our money back from his work and direct deposits, and when this first happened, having to get help with rent and other living expenses, since Citibank just froze the funds and decided to close the account.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit. 

Cheers XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

This is an attempt to collect a debt that does not belong to me as a result of identity theft. I filed a complaint about this collection on XX/XX/22 because the collection company never sent a collection letter but added the collection to my credit report unlawfully, completely ruining my credit. No remedy was provided from your agency following this complaint although it was closed. I sent a letter to the company requesting a verification of their contract and authorization to collect this debt in an effort understand the basis of this collection, which appears to be for a hospital visit that I have never had, for services that I have never received. My request for this information and verification of the validity of this debt has been blatantly ignored by AArgon Agency which is a violation of the FCRA. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), I am allowed to sue a credit reporting agency for negligent or willful noncompliance. the failure for AArgon agency to respond and provide important information to verify this debt is illegal and punishable by a fine. This collection must also be removed from my credit report immediately. I seek a proper remedy to this complaint from CFPB requiring AArgon to provide verification of contract to collect debt as well as proof of FCRA Compliance.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.
Consumer complaint received 2022-11-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NE)

The first time I heard of this debt was when got an alert in a change in my credit score. I looked up the name of the new account that was showing up on my credit report. It pointed me to a company called Hunter Warfield XXXX XXXX XXXX XXXX XXXX. I called the number on the website and got connected to someone who knew the details of my " case ''. Apparently the charge orriginates from ~ {$300.00} of cleaning fees that were not paid. 
I asked for any documentation they have of the debt and I haven't recieved any reposnse yet. I haven't been able to get in touch with them since.
Consumer complaint received 2023-01-11
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. (TX)

Attention Consumer Dispute Department : 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, defamed my character and caused me great stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

Navient has created obstacles during my repayment by providing me bad information. They processed a large final payment, told me the payment went through, and congratulated me on paying off my loan. Later, they charged me interest and a late fee after they made a " payment reversal '', claiming the bank account number given to them was incorrect. Also, Navient does not show my XXXX Loan Forgiveness of {$5000.00} is removed from my loan, nor can I find it anywhere in my account history. I called and expressed my concern and on the third time, they removed my account history for a few hours before re-posting it. Navient has also sent me emails of incorrect amounts due on my bill.
Consumer complaint received 2022-07-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Equifax notified the apartment community of my credit report. I was declined to rent due to two large accounts turned over to collection agencies appearing on the Equifax report. 
One - XXXX XXXX XXXX in the amount of {$2700.00} and the other was XXXX XXXX XXXX in the amount of {$5000.00}. Since I submitted my disputes on XX/XX/XXXX, XXXX XXXX XXXX amount of {$5000.00} has been deleted/removed off of my report. However, I received notice from Equifax they needed to extend the time to reinvestigate ( to XX/XX/22 ) the collection from XXXX XXXX XXXX. This is outrageous! XXXX has cleared all these bogus accounts that I did not open. I don't understand why this is taking so long with Equifax. I am XXXX on a friends sofa waiting to get approved to rent at a HUD housing community. Can you please check into this for me? I understand CFPB has help many others and I hope to be another success story. One last important piece of information, there are several people that have stolen my personal information ( CA ID, Social Security number, birth date, full name, where I was born, and employment history ). 
There are so many inquiries on my report that I never initiated. 
Thank you!
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/22 I was scammed online by individuals who led me to believe my online banking was hacked and that someone was trying to withdraw {$15000.00} out of my savings account. In order to save my funds I was instructed to go to my bank and withdraw my savings account and wire the funds to a security account that was opened at another banking institution to protect me. I went to my bank and wired those funds to the account information they provided to me which my bank did question me about this transaction. I had to pretend that I knew the person I wired the money to. The scammer made me believe they were from my security department because I gave them the phone number on the back of my card. They stayed in touch with me the whole weekend because the banks were closed for the holiday, When the bank opened on XXXX  they instructed me to go to the bank so they could tell me how to get the money back into an account for me. They were really sending me there to drain my checking account ( which I almost did ), but my brain finally clicked in and I realized I was scammed. I talked to my branch manager about this and I went to my local police and filed a report with them. I do not hold my bank accountable, however, I do question the other bank involved. I feel something was not legitimate in the way the account was opened or how the withdrawal was made.
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MD)

I recently decided to refinance my federal student loans. On XX/XX/19 FedLoan Servicing received a payoff amount of {$32000.00} from XXXX ( a third party refinancing service ). After receiving this payoff, FedLoan Servicing wiped all history of my payments made though the entire life of my loan. I can not access any payment history through my account. This is very concerning to me. I need access to my payment history for financial records as well as tax information.
Consumer complaint received 2021-10-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc ()

On XX/XX/2021 PayPal has permanently limited our Business account for our company just right after the opening without giving any reason. There is no refunds, no disputes, nor any illegal action, I found this very unfair so our business could not go further. 
I have contacted them so their robotic answer was " We appreciate your interest in PayPal. Unfortunately, our decision to close your account is final. '' Reference ID : XXXX
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

TURN OF EVENTS 1. I receive an email from XXXX XXXX ( XXXX ) to XXXX  his son XXXX on XX/XX/2022, XXXX XXXX 2. This followed a further conversation on the email as has been provided. He said that he wanted to pay an advance for 12 sessions which would have amounted to {$420.00}, because I charge {$35.00} an hour. 
3. On XX/XX/2022 he emailed me that his attorney had sent a cheque to of the value {$1900.00}. He claimed that it was a mistake and the excess amount was meant for his nanny XXXX XXXX. 
4. I received the cheque via XXXX on XX/XX/2022. I tried to deposit it online via the PNC mobile app but the transaction did not occur. He said that his son was ill and he required the amount. So I sent out XXXX XXXX transactions to the id XXXX XXXX. One was for {$1500.00} and another was for {$420.00}. I had done this payment completely using my money since the cheque wasnt even deposited at that time. 
5. I deposited the Cheque on XX/XX/2022 and it showed on my account that the money was credited. 
6. I received a second cheque on XX/XX/2022 via XXXX It got deposited on XX/XX/2022 and it showed on my account that the money was credited. 
7. He once again asked me transfer the entire money to him. This time I sent out 2 XXXX payments and one XXXX payment only when it showed that the money was credited to my account. XXXX XXXX payment was to XXXX XXXX for {$500.00} on the id XXXX and the other XXXX payment was to XXXX XXXX for {$420.00} on the id XXXX. 
8. The first cheque got rejected on XX/XX/2022. 
9. The second cheque got rejected on XX/XX/2022. 
10. I received a third XXXX mail on XX/XX/2022. 
11. I was contacted via two phone numbers, XXXX and XXXX. 
THINGS THAT HAVE HAPPENED REGARDING THIS 1. I had filed a dispute for all the XXXX and XXXX transactions. 
2. There might be a time discrepancy because transactions are first shown to be pending and then they get posted. 
3. PNC Bank has completely frozen all my accounts even though I told them I didnt know that the cheque that I had received were fraudulent. 
4.I do not have any money currently because the bank didn't even give me access to my salary for the month of XXXX that was credited to the account days after the issue.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

Hi I didn’t apply for a discover card dated back XX/XX/XXXX and I didn’t accept this card in my name and it has two phone numbers it don’t belong to me in my name .... and discover completed there investigation and find it that I was responsible for this account but they never called me or send me any letters at all and I didn’t apply for this card ... but I wasn’t held responsible on two previous discover accounts and I have the letter and the proof they send me in the mail on XX/XX/XXXX on another discover account ...Discover has been giving me a hard time and they have rude customer service and they never ask for police report and never called me ... I want this account to be temporary removed off my credit report while they do there second investigation ....