davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (HI)

I bank with Direct Express because Social Security send my money there. I have had no luck getting them to transfer my money directly to the card that I pay my bills with.they said they could do it but I still couldn't get it done because they couldn't help me. I told him I was having troubles with their automated service. Still no help. I spent hours trying to work with them but they have the worst customer service ever. I went a different route and have my money going directly to a different card now but the Social Security agent told me that a lot of people complain the same complaint. Their automated service hangs up on you and takes you in circles and other strange things. The customer agents are hardly helpful and in fact I actually spent hours getting nothing done and 9 phone calls that's today.. I can't pay my bills with this account and I have to transfer my money to my other debit card. They couldn't help me. A video recorded my last call with them. It was almost an hour long call and I let the supervisor that I finally got know that I had been documenting the entire call and she hung up on me. I was irate and that was why I was recording my whole process. I do have a video but I can't upload it. I just took a screenshot of my phone calls. You can try that number yourself and see how it is. I'm on Social Security and have a XXXX and don't need to be going through this kind of XXXX. Neither does all the other people that get their money the same way.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC. (GA)

I was contacted at work today and the voicemail stated that I needed to call the information department or charges would be filed in my county. I called the number and had the reference number. I asked them not to contact my work but he said that they wouls and that they could. He refused to identify himself or the company. He stated that the debt was from Jared the Galleria of Jewelery in the amount of XXXX. I asked him if I could work out an arrangement for XXXX a month because I was on a very tight budget. He said no we will be contacting your employer to garnish your wages and that they could garnish up to 50 % of my check. He said they would be sending a subpoena to my employer on Monday and I could deal with it then. He said that I was accused of defrauding and something else. He then hung up on me. I called back twice to try to work things out and get more information. He hung up each time and said that I could wait for the subpoena and not call that number anymore. The number that they had me call was XXXX.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: PNC Bank N.A. (TX)

On XX/XX/2021 PNC Bank took over my credit card account from BBVA. Once PNC took over the credit card account I never received any paper statements and my credit card account was never added to my online banking. I have repeatedly called PNC to inform them I was not receiving any monthly paper statements and my credit card account had never been added to my online banking. I am basically in the dark as to what charges are being put on my account. I have called PNC every month at least once about these issues. To date my requests have been ignored by PNC Bank.
Consumer complaint received 2021-11-01
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)

Last year I discovered a false account with XXXX XXXX and XXXX/XXXX  reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX/XXXXdenied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX and XXXX/XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Consumer complaint received 2019-10-30
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. (LA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   GRP LL ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX   XXXX and XXXX XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (MO)

This company ( Enhanced Recovery Company ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXXXXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXXXXXX : Markeisha> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2019-10-30
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC (IN)

i called XXXX XXXX XXXX they stated they have financing, their sales agent took my information to do a credit check, they also applied for my loan while i was on the phone. i was told no payment would be due until after the building was completed, i was working on getting a 40 x 64 workshop from them. weeks later and we never signed a contract, XXXX the salesman i was working with just keep putting off having me sign a contract, I got a email stating there was recent activity on my account, i asked XXXX about it and he stated it was normal procedure, more time passed by and i get a payment due on the loan, still no contract signed at this point. i tried to get XXXX XXXX and green sky to fix this, but they refused. i told XXXX XXXX to cancel everything, they threatened me with a 15 % fee, i countered threatened them with a fraud charge. they notified me everything is canceled. today a few weeks later, i get a email that a payment is due in 5 days, i have contacted greensky that this was a fraud account because no contract was ever signed. green sky did not do anything after the first call to hold the account. i talked to a manager, still refused to file it as fraud, they are going to investigate the signature on the contract. which leads me you file this complaint, the date started was XXXX, the amount removed from the account is {$30000.00}, where is the money, dont know, XXXX last response to me is you call the company, im not your messanger. 
Green sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.greenskycredit.com XXXX XXXX was called, they sent out XXXX XXXX their sister company to contract XXXX  XXXX,XXXX  XXXX XXXX, XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I placed a call to Equifax. I explained to the representative that I was challenging everything being reported on my consumer credit report and that I was not asking for verification or validation. I explained to the representative that I had previously disputed this information to no avail and that I was not provided all 5 things pursuant to federal law 15USC1692G, once validation is requested. As the original creditor, I do not validate the debts of the accounts being furnished. I stated to the representative that I was commanding immediate and permanent deletion of all negative accounts being furnished and that Equifax immediately and permanently stop reporting all negative accounts being furnished and to cease and desist any further communication with myself and any 3rd party debt collector for all purposes. I also explained to the representative that because of these invalidated alleged debts being shown, my XXXX children and me lives has been impeded and impacted and we have missed out on so many opportunities due to these accounts being furnished. I also stated to the representative that I have studied to show myself approved and I will use every legal mean to enforce my consumer rights under the FCRA. I never gave agencies permission to report anything to the credit reporting agency and I never gave Equifax consent pursuant to federal law 15USC1681b ( 2 ).
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (MO)

This company ( Hunter Warfield ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 and XX/XX/2021 I sent a letter ( s ) re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WA)

someone opened a new credit card ( XXXX ) in my name on XXXX XXXX. I think this is a result of the Equifax data breach as they acknowledged my data was included in the breach. Equifax has free credit monitoring for 12 months but their system is never available to sign-up. This is very time consuming for me to fix issues like this and I want Equifax to be responsible for such a horrendous lack of security. Every time I click on the link offering one year free credit monitoring from Equifax, I get the message that the system is not available. I have tried many times for last 3 days and always get the same message that the system is not available.
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

In summer 2018 I attempted to go into forbearance on my loans because I was moving 500 miles away to get a better job and make a career move post-XXXX school. I knew that moving would be expensive. 

Navient rejected my request on account that I had already used my allotted forbearance period and that I must begin paying my debts in full. I was financially unable to do so as I spent my savings making the move to a new place. 

I was extremely overwhelmed because Sallie Mae was also calling me about their private loans and repaying them. Neither company provided me an option of a reduced payment plan or anything to assist me in maintaining my credit score. After a few months, Navient struck my credit score for each and every individual loan ( 11 ), which accounted for over 30 missed payments per my credit score. 

I reached out to Navient again and finally was offered the IDR. I gladly accepted and enrolled in auto-pay to ensure no further complications although I am still recovering from the many missed payments. That said, my loan is increasing exponentially to the point that I can not keep up. Every time I look, my loan amount increases despite my payments. 

I faxed Navient a request to remove the missed payments on my credit score but was not responded to. This instance has caused me to struggle through vehicle payments and obtaining a mortgage.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NC)

I have four inquiries from XXXX XXXX XXXX  that Im trying to get removed immediately. I reported my ID stolen early XXXX and Im still receiving inquiries also tickets in the mail. 
XXXX XXXX  hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, I opened with my wife ( XXXX ) a checking account in response to a promotion offered by Wells Fargo. The promotion offered to pay us {$400.00} if we established a new checking account with automatic monthly deposits. When we opened the account, we informed the account rep, XXXX XXXX, that my wife is a school teacher and wont be receiving a pay check or automatic deposit during one month of XXXX. XXXX represented to us that there is a 60 day grace period to make automatic deposits for purposes of receiving the {$400.00} promotion payment. On XX/XX/XXXX, I contacted Wells as I had not yet seen a {$400.00} credit to our account. The Wells Fargo rep said that we didnt qualify for the {$400.00} credit because we failed to make three deposits in a row within a five month period. I informed the rep what XXXX had represented to us regarding a 60-day grace period. The rep opened a case regarding the matter to research if we were eligible for the {$400.00} based on what XXXX represented to us. I followed up with Wells by calling on XX/XX/XXXX. The rep said that no case manager had been assigned to our case. I called Wells again on XX/XX/XXXX and was told a case XXXX, XXXX, was assigned to the case. I was transferred to XXXX and XXXX told me that the Promotions Team was reviewing the matter and that he would contact me within one week to update me. After not receiving a call from XXXX, I called him on XX/XX/XXXX and he was gone for the day. I left a message for XXXX to contact me. As of today, XX/XX/XXXX, I have not heard from XXXX and there is still no resolution to this matter.
Consumer complaint received 2019-10-29
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. (GA)

I contacted equifax in reference to accounts that have been lingering on my credit report for more than 10yrs a lady inforrmed me after 10yrs they would no longer show on my report not one of them is deliquent or have derogatory remarks so why does my credit report show 61 accounts with only 18 open.
Consumer complaint received 2019-10-29
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. (SC)

I FILED ONLINE DISPUTE THRU XXXX XXXX ON XXXX XXXX ( XXXX ) FOR A XXXX ACCOUNT.XXXX PUT THE ACCOUNT ON MY CREDIT REPORT ..I RETURNED THEIR EQUIPMENT AND CELL I I CANCELLED CONTRACT BECAUSE BEFORE ENTERING IT I ASKEDTHEM TO VERIFYTHEY HAD SERVICE IN AREA I WAS WORKING IN XXXX XXXX , NC AT THE TIME THEY GUARANTEED ME THEY DID. I RECIVED XXXX CELL BUT NO SERVICE IN THAT AREA. THEY OFFERED ME A MAGIC BOX TO INCREASE SIGNAL STILL NO SERVICE. I CANCELLED AND RETURNED BOTH ITEMS.XXXX SAID I CANT AND TRIED TO CHARGE MESTILL FOR BOTH.THEY PROCEDED TO SELL THE CONTRACT AFTER I CONTACTED THEM ABOUT IT TO PA, who when i disputed it with statement removed it from 3 credit bureaus but sold it to sister company, XXXX XXXX XXXX ( XXXX ), who readded it to my repport. I am requesting they remove this account for {$1000.00}, because they did not validate debt and the XXXX XXXX items {$440.00} item from my credit report also because they preinted same type letterThey ( XXXX ) also sent me a letter they printed ( forge ) from XXXX XXXX. I have yet to receive a contract or letter with my signatutre saying i owe this debt. When they received my certified signature required letter with a letter they print cause it has same number and code at bottom as their preprinted letter saying i owe debt proving its not from origional creditor ..withwriting { this is communication purposes and not to collect a debt }. 
This paperwork does not have my signature or id recorded and does not validate this debt. i will be pursueing a lawyer if this persists