davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
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: GVA Holdings, LLC (TX)

I recently received a copy of my  XXXX  credit report. The credit report showed a credit inquiry by your company on  XX/XX/16    that I do not recall authorising. I understand that you should n't be allowed to put an inquiry on my file unless I have authorised it. Please have this inquiry removed from my credi file because it is making it very difficult for me to acquire credit. If you find that I am in remiss and you did have my authorisation to inquire into my credit report then send me proof of this.
Consumer complaint received 2022-08-04
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. (CA)

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payments on this account. These are definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts are listed below. 
XXXX XXXX Balance Owed : {$12000.00}
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (SC)

Aargon Agency Inc has n't validated this alleged debt as belonging to me. I have sent two certified mail asking the agency to provide me with proof. I have not received anything. I sent a certified letter on XXXX XXXX 2017 and XXXX XXXX 2017 and still have yet to receive proof of debt and signatures belonging to me
Consumer complaint received 2022-01-05
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: WELLS FARGO & COMPANY (CA)

To whom it may concern, I am submitting this complaint regards to a transaction in the amount of {$660.00} made on my Wells Fargo Cash Wise Visa card ending in XXXX on XX/XX/XXXX ( Dispute # XXXX ). 

I am owed a full refund on this purchase as the merchant did NOT provide the services that had been promised. Effectively, the merchant charged me for services that they did NOT provide. I had to pay the merchant before any services could possibly be rendered. However, after paying the merchant the full amount, the merchant FAILED to deliver and repair my vehicle as promised. And now, they're trying to claim money ( {$660.00} ) that does NOT belong to them as they rendered NO services. 

I contacted the merchant on XX/XX/XXXX and they confirmed via email that a full refund IS owed. 

I would like a full refund at this time as I will NOT be paying {$660.00} to a merchant that did NOT provide the services that had been promised. That is beyond deceitful and moves into the territory of fraud. As such, I expect a full refund especially since the merchant themselves had now confirmed that a FULL refund is owed.
Consumer complaint received 2023-07-26
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. (GA)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-06-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MO)

The amount in which Transworld collections was trying to collect was part of of a workmancomp injury claim that XXXX XXXX should have waited untill XXXX finish their claims adjustments. I kept telling XXXX and Transworld that i wasnt leaible for XXXX claims. Finally after 1 year of paying onother XXXX 's accounts related to the account. After i had proved that the railroad claims weren't my responible they adjusted the acount. I ask for my acount to be removed from my collections report they refuse to cooperate. All accounts with Transworld are pd in full. The strange thing about this .The other 2 bureaus XXXX  . And XXXX  removed transworld accounts XXXX  didn't. What should i do to get XXXX  to remove this pd negative collections.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I purchased my home in  XXXX . My mortgage company i s Wells Fargo Home Mortgage Company, Inc. My mortgage interest rate is 6.25 % since  inception of my loan. In  XXXX  I began to inquire about refinancing my mortgage since the interest rates dropped to an all time low. I was deferred to  the Wells Fargo Home pr eservation unit. I completed an application and submitted all the supporting documentation in  XXXX . I continued to call and inquire about the status of my application.  Wells Fargo claimed they never received my application. It took over 18 months for Wells Fargo to process my application and instead of refinancing my loan they did a loan modification. WF    did not reduce my interest rate, they extended my loan ou t for 20  more years and reduced my payment by less than {$100.00} per month. This is not what I requested or needed. By the time WF sent the paperwork I had to file bankruptcy and my attorney declined the loan modification as it was absolutely no help to my financial situation. I filed  Chapter   XXXX  on  XXXX / XXXX / XXXX . I have spent years dealing with WF without any remedy or assistance from, them. In  XXXX  my attorney contacte d WF for a refinance and again, they did a loan modification. WF  claimed I owed over {$18000.00} in arrears which is completely ridiculous. Now my loan has been extended to  XXXX  and  WF  charged me over {$10000.00} in interest. They have charged late fee upon late fee and interest. At this time I have completed my  Chapter   XXXX  and final disbursements have been made. I am waiting for all checks to clear and I will b e discharged. WF claims in the tem years I have had my mortgage that I have paid only {$10000.00} in interest. My original loan was {$250000.00} and I have paid over {$2000.00} per month for tem years and the balance of my loan is {$230000.00}. I will be dead before this is paid off. I have asked WF repeatedly to do a forensic accounting of my loan which they have never done. I am disgusted with WF. I am still at 6.25 % while the rest of the entire work is at a rate of about 3 % or lower! WF also claims my escrow account is always short.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

My credit score is suffering because I have an outstanding collection from an agency I know nothing of or why it has been requesting almost {$2000.00} payment since 2019. I have never received a single outstanding bill or collection notice. 
When disputed with XXXX, it comes back as a legitimate charge but with no explanation of what it is for or why I owe it. I have never not paid a bill.
Consumer complaint received 2017-06-13
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. (CA)

I demand t o 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 verif iable proof, you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #  XXXX   XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Consumer complaint received 2017-06-13
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. (CA)

I demand to see V erifiable 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.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #   XXXX    XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Consumer complaint received 2022-08-04
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. (AZ)

XXXX XXXX XXXX / Account number XXXX, XXXX XXXX, XXXX. In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

Issue  with Fedloan. Is sue since  XXXX   XXXX  regarding an incorrect interest balance. In  XXXX   XXXX  an incorrect amount of interest capitalized on my account. I was on an income driven repayment  plan ( pay as you earn ) and was determined to pay {$0.00} a month in payments and the government therefore woul d pay my interest from  XXXX   XXXX . This did not happen due to some error, and so at the end of the yea r ( when I switched to a new repayment plan that required me to make payments since I was now employed ) the amount was put on my account and the interest capitalized. I had to make numerous payments to pa y down that interest beginning in  XXXX   XXXX . This was interest that never should have been there, thus those first several payments would have been going to pay down the loan principle, but instead had to go towards the interest that should have never been there. I have been told via phone that this will be remedied although the exact timeline is uncertai n ( Granted it w ill be 2 years of this issue in  XXXX   XXXX  ). I recently received written confirmation stating that, " Our records indicate that you will be granted the interest subisdy for the period of  XXXX  of  XXXX  to  XXXX  of  XXXX . We do not have a timeframe or amount for this yet, but you will be notified once it is completed. '' I do not understand where this timeline of  XXXX   XXXX   XXXX   XXXX  comes from. There was also no written confirmation verifying the amount of repayment, nor how it was calculated. I am worried that simply granting me the interest subsidy that was lost is not enough, since it ignores the fact that my initial payments in  XXXX  would have otherwise been able to go towards the loan principle. Because they instead were forced to go to the interests that should n't have been there in the first place, the repayment life of my loans has been prolonged by more than just the amount of the missing interest subsidy.     I have been documenting this process and been met with inadequate, vague responses, or no response at all.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (UT)

Discover Card decided to close my account on XX/XX/2020 without giving me notice or a reason other than inactivity on the card for one year. I use the card for emergency purchases and fortunately, haven't had to use it this year. Now I have one - XX/XX/2020 - and was surprised to discover my card was declined. Looking into it, Discover Card had decided to close my account - without notice or my consent. 

Lenders and credit scoring do not like to see short-term lines of credit. This will impact me negatively credit-wise and that I do not have emergency funds right now when I need them. I'm a good, conservative consumer and now I am being penalized by this company for it. 

They also said to reopen I would need to reapply. Another ding on my credit for a credit inquiry and questions from creditors why? I'm not going to do that.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TN)

I received an email from this company telling me that I owed them a debt and that I gave them permission to contact me via my email and I did not. I could not access the content of the email so I called the company. I instructed he representative that I did not know what the alleged debt was in regards to and he kept trying to get me to set up a payment arrangement for a debt that is not mine. I refused and told him that they were no longer allowed to contact me via phone or email but throu gh US mail only. I instructed him to send me everything the had in regards to the debt so I could review  it
Consumer complaint received 2022-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury & this has caused deformation of character & has hurt my ability to obtain credit.
Consumer complaint received 2022-08-04
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. (CA)

Im on hold as we speak, after speaking to equifax several times regarding my disputes Due to Covid, I could not pay original credit company and I ask equifax to make a not of My concerns and let companies know my status I ask that the old account be removed Instead my account was sold to a different credit And my past is affecting my future Please help thanks
Consumer complaint received 2017-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I purchased a authentic  XXXX   XXXX  on  XXXX   XXXX  and when it arrived I asked my friend who inspects bags to see if they 're authentic or not and he said the bag I have purchased is not authentic. So then I contacted the seller to see if he had proof showing that the bag is real, he responded and said yes that he 'll send proof but he never did, so then I contacte d PayPal and opened a dispute with the seller, after that the seller responded and said that I received what I purchased so PayPal ended the case in his favor, then I appealed it and I lost again so I reappealed the case and it was ended in his favor again. Also the seller never told me that the bags zipper has thread comming out.
Consumer complaint received 2022-08-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Currently, Mr. Cooper has our home up for sale on XX/XX/2022, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages. We send out monthly updates on our income and what is required of us by mr. Cooper. We want to keep our home since we have no place to live anymore. we ask to give us an affordable modification, we have the income to pay the Mortgage loan.
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (LA)

They ( Synchrony Bank  - Amazon Credit )  call multiple times per day 7 days a week. Sometimes calling more than once in the same hour. They have never left a voicemail. The calls are so intimidating, I do n't even want to answer the phone to discuss my account with them.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

For account  XXXX   XXXX   XXXX  I submitted timely all documentation to perform my annual recertification  for REPAYE , but FedLoan has refused  to process the paperwork. Instead they billed my closed bank account without my approval multiple times for over a  XXXX  dollars. I have lost at least  one  month of timely payment while working in the   XXXX   XXXX  , and they have confirmed that no one has even begun to work on my request nearly a month after submitting it. I reached out to the servicer multiple times, including their office of consumer advocacy, but they do nothing for me. Please help!
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

XXXX  XXXX XXXX XXXX : XX/XX/XXXX Amount : {$270000.00} Paid 22 months/No Late Payments Covid Forebearance 17 months Past Due Amt. Total : {$42000.00} Escrow {$530000.00} Tot {$43000.00} The Breakdown per Midland of the XXXX  payment of XXXX, XXXX {$8200.00} Principal {$18000.00} Interest {$16000.00} Escrow/Prperty Taxes XXXX XXXX XXXX XXXX Total amt owed for home is XXXX, XXXX if I payed off by XX/XX/XXXX My Concern ; Now I with the two loans owe {$33000.00} more than when I bought the house. So I overall for 17 months cost me more debt to the amount of {$33000.00} by using the Cares Act Not sure if that is correct. 

My phone number XXXX
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I received an alert on my credit report of a collection from IC System for {$440.00} on XX/XX/XXXX. I called them and they didn't have any of my information correct. The rep advised it was from a XXXX  account from XXXX from Florida. I did not live in Florida at the time she gave me the dates. They do not have the correct address or any information that is correct. 
This same account was with XXXX that I opened a complaint about XX/XX/XXXX case number XXXX with CFPB. XXXX must have sold this debt to IC systems. I do not own that account. This is something that I am extremely unfamiliar with and there has been absolutely no communication about this account to me as they have the wrong person. 
They are saying it's from XXXX, which was XXXX/XXXX  and I have had service with them in XXXX and don't owe them anything. This needs to be removed from my credit report or they need to provide proof of me signing up for services with a contract or something in writing because I do not owe them anything.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DEBT CREDIT SERVICES (OH)

I have an unverified account from DEBT CREDIT SVCS. I had previously disputed this account. I have never done business with DEBT CREDIT SVCS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that DEBT CREDIT SVCS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that DEBT CREDIT SVCS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I have an unverified account from IC SYSTEMS. I had previously disputed this account. I have never done business with IC SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that IC SYSTEMS Provide verification of the fol lowing : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemizat ion of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that IC SYSTEMSCease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-06-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

XXXX    XXXX   I contacted  XXXX ,  XXXX , Experian about a judgement on my report.  XXXX  and   XXXX   had no issues removing this judgement. Experian even after sending all the proof that its been paid they are still refusing to remove it from my credit report.