davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXXXXXX 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 XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

After hurricane Michael the storm destroyed my room in a I church XXXX XXXX XXXX  donated to me to help me and they asked for my bank information with Wells Fargo and I gave it to them and they logged into my account and they sorry And they uploaded a check to my account the account that the people said that the account that the money was on but the check was from having no money on the account then they change the story and said that the check was fake and made up and it was fraud And they close my account and they are closed 20 other banks iVe open and now I am XXXXAnd I had to move from my son family and friends and its unarthorized transaction the upload of the check was.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (WY)

My name is XXXX and I am a victim of identity theft. There is a fraudulent Santander account reporting on my credit report. I have called Santander to report the account as fraud. Each time I call, I am told that an investigator will call me back. No one has returned my call. The card is reporting open on my credit report. They have not even closed the card down yet because every representative that I have spoken to has been unable to locate the account. This company has been near to impossible to deal with.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NH)

Chase credit  card charged interest on full amount of credit card bill (  XXXX  ) payment was (  XXXX  ) with a shortage of (  XXXX  )  Interest  was  (   XXXX  ) ) Call to  Chase and was told  this is not double-dipping. Is this true? Sounds very underhanded to me.  XXXX   XXXX  credit card number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Bill date is due  XXXX / XXXX /17
Consumer complaint received 2022-11-17
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: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my FEDERALLY PROTECTED COCONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. 

ACCOUNTS_____ACOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX HAS VIOLATED MY CONSUMER RIGHTS 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY.

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (CA)

I AM VICTIM OF AN IDENTITY THEFT, PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, MY KNOWLEDGE. PLEASE RMEOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THIS CHARGES ARE NOT MINE, THIS ACCOUNT IS NOT MINE. PLEASE REMVOE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2016-06-03
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Choice Recovery, Inc. (OH)

A Choice Recovery associate contacted me on XXXX XXXX, 2016 regarding what he asserted were several small, accumulating balances for which he was attempting to collect. The collection associate calling me was from a local phone number so I requested his business line to confirm the validity of his identity. I advised him that I would hang up and call him right back, which I did. There are too many scams to readily provide my credit card information over the telephone. I received his voicemail and requested a return phone call. In the interim, I called the business with whom the balance originated from ( as initially explained by this collector ). I spoke to a representative who stated she looked at all possible scenarios of where my account may have been placed for collections. Not only did she state that I did not have a balance, but that I was entitled to a refund which she said I should anticipate within 2 weeks. 
On XXXX XXXX, 2016 I received a phone call from the same collection associate. I explained to him the same scenario I just just described in this complaint and advised him that I would not be paying that balance. The associate seemed to be offended, stating that whomever I spoke to was wrong and that he would have these balances reported to my credit bureau. I explained that I would obtain written documentation and send to him. The associate became audibly agitated and then proceeded to tell me that the conversation was being recorded. In my professional experience, I am knowledgeable that if a phone call is being recorded that it must be stated at the beginning of a call and I stated the same to the associate. The representative then accused me of being nasty. I simply replied, in a non-threatening tone that he was being nasty, not me. The representative then stated and I quote, " Okay, I 'm terminating this call because apparently I 'm XXXX. '' I was baffled and I believe I replied something to the effect of, " Okay, have a nice weekend. '' I reflected on the call for a few moments and decided to call the company back and ask for a manger. In short, I spoke to a female manager who indicated she would review the call and call me back. In fact, I did receive a return phone call from a polite associate, who through research, I found to be the Compliance Officer. 
Although she offered an apology and indicated the associate with whom I had originally spoken to had received corrective action, I am still incensed that a person representing a company would engage in such a demeaning and unprofessional manner. I happen to have ancestry which was subject to the XXXX. Such comments are not to be made with total disregard and arrogance. Additionally, I took offense that in response to me stating I would provide documentation to him, he replied that this would be on my credit bureau. He was not simply informing me of the possible scenarios, it was stated with threatening overtures.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Syncapay, Inc (NJ)

I redeemed rewards issued by my employer with Prepaid Digital Solutions in the form of virtual prepaid XXXX cards. I received 3 cards worth XXXX dollars each on XX/XX/2021, and one card worth XXXX dollars on XX/XX/2021. They " expired '' a couple of months later in XXXX and XXXX respectively. 

I redeemed them from my employer when I did due to an internal redemption deadline, but there was no indication that the option that I chose had an expiration date. In the confirmation email that I received, instead of being bold and clear that these cards expire relatively soon, it is buried in tiny text all the way at the end of the email. So having no idea that they expire, and not having been reasonably informed, I let them sit until now, when I went to access them and discovered that they were expired. 

The company refuses to reinstate them due to " rules and regulations '' which is absurd. It is not their funds, why are they able to essentially confiscate them?? What " regulations '' are they referring to??? They intentionally do not inform the customer that these cards expire in a satisfactory manner in order to steal their funds.
Consumer complaint received 2022-11-17
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. (SC)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2022-11-17
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: C.Tech Collections, Inc. (NJ)

I had XXXX XXXX XXXX  XXXX by XXXX XXXXXXXX XXXX. The scan was done on XX/XX/XXXX. XXXX XXXX XXXX XXXX department sent the bill to XXXX and XXXX has paid the provider, XXXX XXXX XXXX, and XXXX XXXX XXXX sent me a bill for {$7.00} which I did pay according to XXXX. I never solicited the service of XXXX XXXX, and now I receive letters from this collection agency in spite of detailed communications sent via register mail sent XX/XX/XXXX. 
Still this collection agency has not ceased from continues abuse of sending me billing statements of unpaid amount of {$75.00}. This agency and its client refuse to accept XXXX payment and continue abuse. 
The charge by XXXX XXXXXXXX XXXX XXXXXXXX has been denied by XXXX and now it is the responsibility of XXXX XXXXXXXX XXXX XXXXXXXX to appeal to XXXX. I have paid what I owe. 
This is same as complaint ID XXXX. Submitted on XX/XX/XXXX
Consumer complaint received 2022-11-17
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. (MD)

Hello I filed a complaint with Equifax, XXXX and XXXX about discrepancies on my report. I also sent court documents that I received from my bankruptcy discharge. XXXX just sent me an email stating that the creditors that disputed with them are showing as accurate and verified. I need help resolving this matter. I feel like my rights are being violated.
Consumer complaint received 2016-06-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX placed a lien on XXXX XXXX 's home. XXXX is deceased. The lien is related to a debt XXXX XXXX purchased from Bank Of America. These credit card accounts do not appear as a trade line on XXXX 's credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX XXXX signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.
Consumer complaint received 2017-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still  XXXX   XXXX  customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence.  XXXX   XXXX  reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period
Consumer complaint received 2022-11-17
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct theses suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX  XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALCHRO INC. (SC)

FIRST FED CREDIT & COL : I do not have any knowledge of this account nor did I ever receive any services or authorize any services from this creditor. I have disputed it through the credit bureaus, they acknowledged an inaccuracy ... the date of delinquency. They refuse to provide evidence I owe this debt. I have never had a collection and now my credit rating is adversely affected.
Consumer complaint received 2022-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc. (NJ)

The dept. collector by fraud and scam got access to my personal record such my social security and date of birth, I discovered that tonight when I was review my annual credit report. I have never called or spoke with that collector or any of their agents anywhere previously, I do not even know their phone number before until I found their information on my credit report showed medical billing collection. I have XXXX government insurance and before that state health insurance, I never ever have any issue with medical. THE MOST IMPORTANT MATTER IS I NEVER RELEASE MY SOCIAL SECURITY TO ANY DOCTOR OR HOSPITAL OR ANY MEDICAL PLACE, I JUST PROVIDE MY DATE OF BIRTH ONLY! THEN HOW THAT COLLECTEOR GOT TO MY SOCIAL SECURITY?. the insurance company are not allowed by law to provide patients or consumer personal or medical information to collectors unless if the have dairy business together. I am seeking your protection to my identity and force that collector to explain how their fraud case has been built without me releasing my personal information to that collector or his doctor or so ever involved in that fraud case. 
please do what you can to help me got this issue investigated HOW THEY RECEIVE MY PERSONAL INFORMATION IF I DID NOT GIVE IT TO THEM. 
the following is what It was on my credit report : XXXX XXXX XXXX # XXXX ( XXXX ) XXXX Individual XXXX {$880.00} {$880.00} {$880.00} $ XXXX monthly XXXX Collection XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX  Dispute indicated for Applicant XXXX XXXX XXXX  Thank you
Consumer complaint received 2022-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Consumer Financial Protection Bureau ( XXXX ( XXXX ) XX/XX/XXXX Complaint : XXXX XXXX XXXX Wells Fargo Bank Its Successors and or/Assigns XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX WELLS FARGO BANK- XXXX XXXX XXXX WELLS FARGO BANK HAS IGNORED ALL RECORDED TELEPHONE CONVERSATIONS, AND FOLLOW-Up CORRESPONDENCES REGARDING MATTER OF LENDER PLACED INSURANCE OBLIGATION since XX/XX/XXXX ; including emails ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) which I have kept record copy of all calls and documentation, including copy confirmed faxed from the local XXXX XXXX Branch # XXXX XXXX XX/XX/XXXX. 


Wells Fargo Bank has failed to provide credit for overcharges made to my account for the XXXX ( Lender Placed XXXX Insurance ) premium and policy coverage imposed for amount greater than my outstanding principal loan balance of ( {$21000.00} - XX/XX/XXXX ). 


No amount of XXXX insurance coverage was agreed to or otherwise authorized by me at any time for any coverage more than minimum obligation per loan contract- as written in the AGREED TERMS OF MY LOAN DOCUMENTS- Page XXXX Home Equity Closing Handbook ( effective XX/XX/XXXX ).
Consumer complaint received 2022-11-16
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. (TX)

I am writing this complaint regarding inaccurate personal information that appears on my Equifax report. I have sent three letters over the past six months to Equifax with attachments from the FTC as evidence of my current and previous address, and how the current address that is reported on my report is inaccurate. However, Equifax refuses to delete the address from my report. Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( 1 ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( NCRA ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the NCRA has in the consumers file. Section 605 ( h ) ( 2 ) requires the federal banking agencies and the NCUA ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. I request that the inaccurate address is removed from my credit report immediately.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (SC)

On or about XX/XX/2021 I attempted to make a purchase using my Express Card managed by Comenity Bank. The transaction was declined. I contacted Comenity Bank through their website, stating that the card appears to have been closed and asking them to reactivate the card. Comenity 's Customer Service responded on XX/XX/2021 stating they closed the account for inactivity and that they could not re-open the card, but invited me to reapply for a new card.

I do not wish to set up a new, separate account since this would create multiple tradelines on my credit bureau report, and affect the age of the account ( and thus my credit score ). Comenity 's action impacts my credit report and I seek relief under the FCRA.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I agreed on a payment of {$50.00} a month. navient took out XXXX my interest went up when I could not pay did not care if I called saying I cant pay this month they will stillk take it out and made my bank acct overdraft.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Ria Envia, LLC (UT)

On XX/XX/2022 I used RIA to transfer {$1500.00} XXXX, to my son XXXX XXXX 's bank account at XXXX Bank in XXXX. The funds never reached his account even though RIA says it was paid. XXXX XXXX Bank did a search and claims they received no transfers from RIA. I have contacted RIA many times without any satisfaction. Every time I call, I speak to a different person. They tell me they will call me back and never do. I went to XXXX a number of times to get help and they tell me they can do nothing. They even had the bad taste to tell me " someone was enjoying my money. ''