davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
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. (TX)

Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with Equifax,  XXXX , and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are one in the same, but neither one can help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at least five times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.
Consumer complaint received 2017-01-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect (FL)

I CONTACT AMERICOLLECT XXXX ON XXXX/XXXX/2017 AND SPOKED TO XXXX XXXX LETTING HER KNOW THIS IS A FRAUDULENT ACCOUNT SHE ADVISED ME THAT THIS ACCOUNT IS IN SOMEONE ELSES NAME. THE VIOLATION IS WHEN I TOLD HER THIS IS A FRAUDULENT ACCOUNT SHE STATED WE WILL NOT REMOVE FROM CREDIT BUREAUS KNOWING ITS FRAUD. THAT IS NOT RIGHT TO TELL ANY CONSUMER
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I received a copy of my credit report and am disputing some items that need to be deleted. 

Name : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$500.00} Name : XXXX XXXX # XXXX Account # : XXXX Amount : {$720.00} The reasons why these items should be deleted are indicated below : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ) ]. According to the provisions of 612 [ 15 USC1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Consumer complaint received 2017-04-27
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. (CT)

I disputed a derogatory item placed on my credit report in error by  XXXX ,  XXXX  and Experian --  XXXX  and   XXXX   fixed the error by removing the item from my credit report -- EXPERIAN DID NOT. Experian refuded to remove the item and said so after their " investigation '' was complete.   XXXX    XXXX   (  a collection company ) is complicit in this. On  XXXX  -2017 I resubmitte d my dispute with EXPERIAN and warned both   XXXX   XXXX   and Experian of pending legal action I intend to take if this situation is not resolved IMMEDIATELY. The derogatory item was for an unpaid dentist bill ( {$900.00} ) which IS PAID and the account ( my husband  XXXX  's ) is IN GOOD STANDING with  XXXX   XXXX  ( merchant ). This item should NEVER have appeared on my credit report in the first place -- and since the item is PAID, this item DOES NOT BELONG IN COLLECTIONS.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CT  XXXX   XXXX  :  XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I went to purchase a car and they were only suppose to use my pre approved letter from XXXX XXXX but instead they ran it with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
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: Westlake Services, LLC (TX)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy section 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 US C section 166B a creditor may not to treat a payment on a credit card account under an open and consumer plan as late for any purpose.
Consumer complaint received 2016-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OH)

I was on the Income Based repayment plan for the past three years, but was denied this year since getting married, even though my husband makes less money than I do, but with combined income, they were able to deny me and placed me back in the standard repayment plan. This took my total payment from {$140.00} to {$430.00} for XXXX loans. I can not afford this payment as I also have private loans with XXXX. 
I have called for FOUR months to customer service and each time they put me in Forbearance and say that my next month 's payment will be corrected and around {$200.00} total as they are placing me on the extended graduated plan. Then each month, I get a bill for over {$400.00}. Each time I call, the rep says " oh I see where you called, but your plan was not updated ''. This has taken so much of my time trying to get this corrected and has been extremely frustrating, when I am actually trying to make the payments. I do n't want to keep being put on forbearance, I want to be in the correct plan. If I try to use their website, it wo n't let me do anything because it says I 'm in forbearance. On XXXX/XXXX/16, I tried to send an email, hoping that putting my complaint in writing would help, but I only received a generic response about logging on to their website. Please help as this level of service is unacceptable. Thank you.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (PA)

Last year around XX/XX/XXXX I notice some unauthorized charges on my account from XXXX that went back into the year of XXXX and I called Wells Fargo to have them removed the charges because I did authorize the charges and the service that I was being charged for I never had. Wells Fargo give me a hard time transferring me around and the only some of the charges where removed. 

Around XX/XX/XXXX I called Wells Fargo back because I was still being charged by XXXX. I got a Representative who made a three way called to XXXX and the XXXX XXXX told the rep from Wells Fargo that I shouldn't of been charged and that the service were not mines. The Wells Fargo Rep told me she would disputes everything and have it removed. But I notice in XX/XX/XXXX that I was still being charged. And they give me a hard time to to have the charges removed. 

In XXXX of XXXX I came down with covid and was in the hospital so I couldn't pay my bills. Once I went back to work I contacted Wells Fargo on XX/XX/XXXX make a payment plan to catch up on the charges and the agreement was that if I paid {$87.00} by XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX to reset my account balance to current, all the lates payments will be removed, and they would report to the credit agency as paying as agreed. I paid {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then I started to get emails from all 3 credit bureaus stating that I was still delinquent. 

I recently called Wells Fargo and they told me that I still had a late payment, and that they had to investigate what I saying and it would take 10 days and now they are saying that I have to wait 4/5 months instead of 3 for them to make any changes. But in the mean time they are still report to the credit bureau that Im delinquent. Which is unfair because I follow through with the agreement. 

Every time I call they keep me on the phone for over an hour and they never do anything. 
They transfer me around to different departmants and no one can never handle the phone call.
Consumer complaint received 2017-04-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

My name is  XXXX   XXXX . My wife and I was approved for a {$150000.00} FHA Mortgage  Loan from Quicken Loans. The Purchase Mortgage Banker name  is  XXXX   XXXX .  XXXX   XXXX  called me daily asking me have we found a house that we wanted to bid on. We exchanged numerous emails and phone conversations with  XXXX  giving me house hunting information. I have a copy of the Preapproval letter in my possesion as I 'm typing this complaint. The preapproval letter has an expiration date of  XXXX   XXXX ,   XXXX  . When my wife and I decided on a house that we wanted to purchase, I called  XXXX  like he told me to and he told me that he was going to adjust the preapproval letter to the purchase price of the house which was {$140000.00} and that he would contact me when he was finished so I could copy it from my email and give it to the Real Estate Agent.  XXXX  calls me  45 mi nutes later and tells me that the loan fell through, because of the yearly income. If that 's the case then I was lied to. I was told that this just happen. That 's   XXXX   XXXX   because he had many opportunities to say this to me in the beginning process. Can someone please call me at  XXXX . Thanks
Consumer complaint received 2022-08-03
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. (PA)

These companies have coerced and induced me into a form of identity theft through alteration of my name from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX format. There was no contractual disclosure or meeting of the minds.
Consumer complaint received 2022-08-03
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: WELLS FARGO & COMPANY (IN)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MD)

I asked the company for some verification of the debt. I wrote them on XX/XX/2022. Requesting verification of the debt. They stated I said something about fraud. I need verification of what debt they are claiming I have. I called again on XX/XX/2022 after I did not receive any verification of the debt. I have not received anything.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have banked with Chase for many years and have never had a problem. My paychecks are drawn on XXXX XXXX. When XXXX XXXX  had those problems recently ( bank is still open for business ) and I deposited my paycheck last week, Chase put a hold on my paycheck. I deposited it on the XXXX of XXXX and they are holding it until the XXXX of XXXX. I called XXXX XXXX and the monies are cleared on their end. XXXX XXXX  called Chase and told them to release the check as the funds are cleared on XXXX 's side. They said they could not release it. I called Chase XXXX to try to get it released as well and they told me the check had an alert on it and the computer will not allow them to release my check until the date in the system. I told them it was against the law to hold my paycheck and a violation of the Consumer Financial Protection Bureau. My account is going into the negative now, because my bills are coming through. I get paid again tomorrow and they can not tell me if I deposit my check, if they will hold this one. I live paycheck to paycheck and can not afford my paycheck to be held and not be able to pay my bills, buy food or pay my car payment. I need your help in resolving this.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (MN)

There are many issues involved in this case so ill start from the beginning. 
I spoke to a gentleman who accidentally deemed my account compromised by mistake and cut off all access of me using my money. I changed my number recently so the bank froze my access to pay pills or access money through XXXX  and digital wallets and all banks are closed until XXXX  and its XXXX.i dont have a card or the bank will not unlock my account or bypass whatever they have to, to give me access. I can still access my account online and via the app but i can only look at it. My wife, children and I need money to buy groceries and food and gas and its an emergency because we do not have any of those right now. We just moved back to the XXXX from XXXX and we dont have people who can help us. I was told i have to wait 5 days until they can unlock my account in which they made the error to cause this problem and im suffering from this. The emergency is that my family has to starve for 5 days until wellsfargo can fix their own error for me to be able to access my own money and feed my children is ridiculous and this is horrible this is causing great distress for my family and I and wish that someone could help resolve this issue please or contact someone who can help us. I called wellsfargo many times and no one knows how to fix the issue I have been treated poorly by representatives of wellsfargo included being hung up on. I was told to do many different things and nothing worked and its very stressful for me. Every call i was transferred 2 to 3 times ive spoken to the highest available employees, I spoken with tech support, and Ive even physically went in to the bank and they all turned me away and told me to wait 5 days as if this is not an emergency. Im very displeased and suffering from this treatment and the representatives of this bank have displayed insensitive and apathetic customer service and are again causing me and my family a great deal of distress.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (GA)

Dear Citibank : I am disputing a credit charge from XXXX XXXX XXXX in the amount of {$850.00}, which is included on my statement dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I spoke to the customer service manager about my card ending in XXXX being charged in the amount of {$1000.00}. It was two charges one was for {$200.00} and the other was XXXX. After speaking with the hotel customer service manager I was told I would receive a refund for {$1000.00}. I have only received a refund for {$200.00} and is still missing my refund for {$850.00}. I also see I got a refund for {$4.00} Im not sure what that is for. But as my bank I writing to you all to correct this issue I have been dealing with this since XXXX of this year and this charge was an unauthorized transaction. I have attached a copy invoice where its states I was supposed to be getting a refund. Any questions please feel free to give me a call at XXXX
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

The bank has charged me $  XXXX  /day and  sometimes $  XXXX  /day for  each day my account is negative while I was out of town and could n't deposit into the account to bring it out of the negative. I went to the bank explaining to them the reason for the initial over-draft and the reason for not bringing my account to current. Yet the bank refuses to refund the over-d raft. Currently PNC has  charged me over {$240.00} in overdraft fees within a month for only one overdraft. This is ridiculous!
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

US DEPARTMENT OF EDUCATION # XXXX for is NOT a collection item and has NEVER been late. I have disputed this information over and over again with Experian for them to delete the account or remove the INACCURATE PAYMENT HISTORY that make this account falsely past due and in collection. I have contacted the US Department of Education and I have been informed by them that they have alerted Experian XXXX that this account should not be a derogatory item, it should NOT be reported as a collection or in collection and it should not be reported as having ever been late. They refuse to change or verify the information and i have repeatedly requested that they send me proof of an investigation and they refuse to send me any proof and or any proof of verification as to their reasons for reporting the account this way.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

Unfortunately, I had my debit card stolen again within three weeks of the previous theft. This time the thief was able to use my card at  XXXX  for {$850.00} or so, and even took {$240.00} out at an ATM across the river before I could cancel the card.  ( My acc ount still had fraud claims from the theft weeks prior, so apparently I was not allowed to cancel the card by phone. I went to my local branch as soon as I noticed activity, and tried to cancel, but not before they were able to take more than they used at  XXXX . ) The various transactions made by the thief are : - {$50.00} - {$800.00} - {$4.00} - {$18.00} - {$100.0 0} ( Withdrawal ) - {$100.00} ( Withdrawal ) - {$40.00  } ( W ithdrawal ) I reported the fraud yet again, and was given temporary credit. I answered various questions about my most recent transactions, again, and hoped this was the end. Their investigation, I guess, just ended, and I received an email telling me that my account was overdrawn ( because of the claims reversals ).     I am awaiting response from them, but expect the same will happen as it did last time. They decided my claims were not valid. I am now at a negative sum in my account, and I 'm still out the almost {$1200.00}. I did not know who else I could turn to to help resolve the issue.     I did not report this to the police because I can not describe the thief 's appearance. I did not notice that the card was gone until the email in the morning told me my account was below my alert limit.     Please help.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

to whom it may concern i am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims, when i did ask for all the documents in my dispute letter then they sent me muitlple copies of my credit reports. My point of this complaint is i want to resolve this matter out court. So if they can provide me names and numbers of everyone they spoke to verifying accounts. Also the orignals applications with wet pen ink signatures, and the method they use to verify this accounts and once proved to all not to be legal verified accounts please remove all accounts immeditley, and dated out and unauthorized inquires. i have also provided my Social security card and Identification for proof of identity again so if a reported anything different then whats on my Identification i was n't me thank you.