davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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: I.C. System, Inc. (GA)

XXXX practices financial fraud on its consumers in general and me in particular. 1. While I had cellular service with XXXX they made several attempts to overcharge the monthly bill until I was able to identify the error. The MOST disturbing incident was the incident that caused me to leave XXXX. I purchased a phone from XXXX online for my son and added him to my account. When the phone never arrived, I tried to remove the charge from my XXXX bill unsuccessfully. I finally called the credit card to reverse the charge and which point XXXX added the {$200.00} bill for the device to my bill and tried to convince me that it was a result of a returned payment. This was only 1 of many times, they've tried to add additional money onto the bill. 2. I finally left XXXX and went into a XXXX store to start service only to learn that XXXX locked a device that was a. neither purchased from XXXX nor b. owned by XXXX in an attempt to prevent me from leaving their company. It took hours to get a supervisor to unlock the device. 3. On XX/XX/2019, XXXX ( my personal banking institution ) contacted me to alert me that {$620.00} withdrawals were being attempted by XXXX on both of my checking accounts. Neither of these drafts were authorized by me. 5. On  XX/XX/XXXX, my XXXX credit card alerted me that XXXX was trying to make a withdrawal on my credit card for {$620.00}, again a transaction that was not authorized by me. I soon realized that XXXX  was making an unauthorized attempt to charge every card I've every used to pay my XXXX bill over the 2 years I was with them. 6. They sent the account with an incorrect amount to a collections agency whom I have no contract with and is now reporting on my credit report. 7. I immediately posted this on a credit repair group on XXXX only to learn that XXXX practices this regularly and has been getting away with this from thousands of its customers who chose to leave their company. This is a major act of Financial FRAUD.
Consumer complaint received 2022-01-04
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: Experian Information Solutions Inc. (OH)

I am not an attorney or third party rep. I have a legal right to dispute any items on my credit report. There are fraudulent items on my report that does not belong to me. Here are the accounts : -XXXX XXXX XXXX # XXXX
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MI)

In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. XX/XX/XXXX, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future.
Consumer complaint received 2023-04-01
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: WELLS FARGO & COMPANY (UT)

Credit limit not being restored after payment of entire balance. 

On XX/XX/ Wells Fargo received an electronic payment for the balance of the card of {$2000.00}. 
On XX/XX/2023 the balance was credited as {$0.00} correctly with the payment, but my credit limit remained at {$0.00}. I called WF and was told that the payment had yet to be verified at the phone number XXXX for the financial institution being utilized ( XXXX XXXX XXXX XXXX ). They stated that they would have accounting follow up by having them email me and therefore send in my own banking statement that would indicate my payment and verify it myself that way. ( I never did get such an email and have searched my account using " Wells Fargo '' with only promotional items or notifications about payments appearing ; additionally I called the phone number they claimed and immediately got a human on a Sunday who did verify that the payment was indicated as a completed transaction ). 
On XXXX  the credit limit still reflected {$0.00} even though the payment was still indicated and so I called again. This time I was told that there was a 30 day hold without a reason given. I asked about any additional fees including interest or other based on their holding the money but not releasing the credit, and they said that there would not be. The hold should be released XX/XX/XXXX. 

My concern is that they are not transparent nor can they refer to any regulation or even policy that would apply to this action. Further, they are holding my mortgage and therefore I have concerns about them breaking policies in regard to that agreement. My mortgage did not originate with them but instead through a credit union who unfortunately sold it to them.
Consumer complaint received 2015-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

A utility bill I had eight years ago was incorrect. It was a bill for the previous tenant that was living in my apartment, but was transferred to me. I disputed this with the gas company, but they quickly sold my debt to creditors. XXXX harrassing letters and several years have elapsed. The debt has not been present on my credit report for at least a year now. Eight years later, the debt has reappeared on my credit report. I have proof that the debt was not listed on my credit report, and then summarily reappeared with a false " from date '' of 2013. I was not living in the same state at the time of the false date. The company is listed under XXXX under different names. It is listed as TransWorld XXXX, and TSIXXXX XXXX. XXXX are appearing only for the first time this month.
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NJ)

Within two ( 2 ) days from XX/XX/XXXX-XX/XX/2020 I have received three ( 3 ) telephone calls from Discover Card demanding payment of the monthly bill. In addition, within one ( 1 ) week I have received numbers emails demanding said payment. 

This despite my two ( 2 ) letters to Chairman of the Board and President XXXX in which I stated that because of the coronavirus I am unable at this time to make payments. 

This too in addition to complaints against Discover Card I have filed with the Consumer Financial Protection Bureau. 

Apparently Mr. XXXX and Discover Card have never heard of the coronavirus pandemic and the inability of tens of millions of Americans because of the coronavirus to pay their bills! 

Mr. XXXX are being unpatriotic and un-American! And it is a disgrace and an outrage!
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail to Equifax so that I may dispute inaccurate information on my credit report. The details of the letter outlined XXXX hard inquiries that are being reported on my credit report in error. Equifax received the letter on XX/XX/2017 and apparently the research was completed and a response mailed to me on XX/XX/2017. The letter sent by me outlined XXXX hard inquiries that were not authorized. The response that I received from Equifax included rather general information about hard inquiries and what they are and were NOT tailored to my unique situation. The response was not specific to my request regarding the removal or validation of these damaging and unauthorized inquiries. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. What is even more insulting is that, I received a response 4 days after the receipt of my certified letter, which leads me to conclude that there was no investigation into this matter. Failing to validate and investigate the information being reported on my report is a breach of my trust and FCRA Rules. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that were not authorized. This is an unfair practice by a credit reporting agency with no regard to how this immature practice affect the credit worthiness of a consumer.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

on XX/XX/2020 - i sent a fax - enclosing copies of my social security card/driver 's lincence - to Equifax on the same date i also sent them a letter attaching these document copies - have usps tracking which shows Equifax received this on XX/XX/XXXX on same date i sent these document pdf 's to equifax customerservice - purpose - to lift temporarily my credit freeze [ bank loan can not be processed because of the freeze - need funds desperately ] i had zero problem getting my credit freeze lifted with XXXX  and XXXX i went to register on equifax site so i can get this done - they sent me a 10 digit verification code - used the code - went thru all the steps - got a screen saying to call a given number - called the number - they wanted mobile phone number [ not having one, i gave them regular number ] - provided social security number - digits of street address - and finally zip - they did not help me create a login - its been a nightmare trying to get response to my credit freeze removal - and getting help to log in so i can do this PLEASE HELP- AM SURE YOU CAN FIND SIMILAR COMPLAINTS AGAINST THEM - EQUIFAX XXXX ON THE WEB
Consumer complaint received 2016-05-16
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: First Data Corporation (SC)

I called the company advised them of an unauthorized transaction and was told to fax a paper stating why. I advised the company I did not authorize the company to draft my account. The company denied my claim stating the company has drafted my account once before. I called the company and told them I made a one time payment and that I did not authorize any other transactions. The company advise me that if I paid a company one time they had permission to draft my account any other time after that. I asked if I went to XXXX and swiped my card and 4 months later they charged me again would that also be authorized the representative advised me yes. I am in disbelief that I am going through so much to get my money back from an illegal transaction.
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc. (GA)

State Collections is a third party collections agency is contracted through XXXX XXXX XXXX to collect debts for them. State Collections agency has repeatedly contacted my wife and me several times asking them verbally to stop calling us regarding this debt. It has been explained to them on several occasions that there was an error in the billing and we are working with XXXX and the insurance agency to correct the billing error. The problem is that when XXXX XXXX makes call they refuse to provide their name when asked what company is calling. They state that they can not legally provide the name of there company until they can verify the person they are looking for. Its only after you threaten to file a complaint will they then provide the number. They have called on back to back days ( XX/XX/XXXX & XX/XX/XXXX ). On XX/XX/XXXX a man called looking for my wife and when I explained to him the situation I asked that he remove my phone number and my wife 's phone number from his call list, which he stated that he would. Not even XXXX hours later a get another phone call from a different number with the same routine of refusing to provide me information regarding who the company is. It took for me to threaten them with this complaint that they provided me the name of State Collections. I again asked them to stop calling us. State Collections is now stating that they are protected under the disclosure laws and they do not have to provide any information to the anyone who calls them.
Consumer complaint received 2016-03-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (OR)

Can not contact American Express, they do not answer phones. Prior to today whenever I contacted them they gave me wrong information. Supervisor informed me that they finally got it right bit they did n't. They could not give me information on my automatic payments notwithstanding that I have been on automatic payments for years. What is happening to Am Exp? /
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (FL)

I tried to log into Equifax to view my credit report. I attempted to dispute items. I received an email from Equifax saying they had resolved the disputes. I tried to login to my equifax account. I could n't. I then called the number given to resolve disputes with Equifax to reset a password. XXXX. I got a woman named XXXX located in XXXX. I did record the phone call. This unknown person wanted my social security number which in these days of identify theft I do not want to disclose to anyone I do n't know. She kept asking for some unknown reason if I was called from XXXX or the United States. So clearly she had some information on me. I gave her my email which she said she did not have on file. She then wanted a credit card number which again I did not want to disclose. I think I am tired of companies like Equifax determining my interest rate on mortgages, loans, deciding whether or I can obtain a rental. I did inform XXXX that I was the recording the phone call, so this was not made without her knowledge or consent.The long and short of it is that XXXX and then her manager XXXX demanded personal information such as my social security number which I was not willing to give to somone I do n't know in XXXX.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I received a loan back in XX/XX/2001 with XXXX/Navient. Over a course of years my loan was sold ( without my knowledge ) and the amount owed increased tremendously. This is affecting my credit and still appears on my credit report. My current loan, after being consolidated, is now with a new company. What is going on?
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

this has been ongoing for several years now. I have reported this company before. They call my house starting at XXXX and continuing till XXXX or later. They have been told by me that the person they are looking for does not live here. 
Company name is Portfolio Recovery. They call from many different numbers. Last 0ne was XXXX.
Consumer complaint received 2017-04-08
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (AZ)

Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.
Consumer complaint received 2016-05-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: United Revenue Corporation (FL)

This account was put in collection more than 2 years ago without my knowledge and now I received constantly calls from collection harassing me and treated me about jail if I do n't paid this debt who was send to a collection agency without any attempt to contact me first and find out reason why this account was delinquent. I get XXXX invoices from the same company with XXXX different amounts.
Consumer complaint received 2015-09-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (TX)

None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

Signing up for XXXX service at new home. They use SageStream , LLC which produced a letter noting a very low credit score, an incorrect spelling of my name and asked for a non-refundable deposit. 

I followed the " dispute '' details and faxed a copy of my drivers license. 

When contacting XXXX - no record of account nor details on this firm were noted. 

Now I am paranoid regarding a scam, infuriated regarding a credit scoring system not matching the ratings from the " big three '', and mad regarding a request for a non-refundable deposit.
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (NM)

On XX/XX/20, At around XXXX, I XXXX XXXX XXXX attempted to cash my check from the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX XXXX , NM, XXXX. At around XXXX I had called the ( XXXX ) XXXX and spoke with a gentleman named XXXX ( I think ) over the phone. I asked XXXX if it were ok if I had parked my car in the parking lot and could cash my check at the drive through without a car. XXXX told me Wells Fargo would accommodate my needs so I could cash my check. When I arrived at the teller via drive through, with out a car, I encountered and spoke with Service Manager 1 XXXX XXXX Employee ID : XXXX XXXX. Mr. XXXX told me that he would not cash my check despite me explaining to him I was told by a Wells Fargo employee over the phone that Wells Fargo would accommodate my needs to cash my check via drive through without using a car. I also told Mr. XXXX I had waited for an hour and was told it would be ok via phone call and showed him the phone number I had dialed. Mr. XXXX did not cash my check. As I was leaving Mr. XXXX told me I should get a bank account to avoid this issue. Then I contacted the branch again via telephone to see if it were possible for me to schedule an appointment, in person, so I could cash my check. I spoke with a person named XXXX using telephone number ( XXXX ) XXXX. I was told the branch would not cash a check in person and that it would have to be through drive through. I told the person ( I lied ) that I didn't have a vehicle to cash my check via drive through, so how would I cash my check? Their reply was that I would need a vehicle to cash my check. 

I then decided to cash my check via drive through, using my car. At around XXXX I spoke with the same person Mr. XXXX via drive through. 

My issue is this : After speaking with Customer Service over the phone and being told I wouldn't be able to set up an appointment to go in person to cash my check because appointments were not needed to cash a check. 
I was told, via telephone, appointments are only to open/close accounts and or other banking needs not related with cashing a check. At around the end of my recording I mentioned to XXXX XXXX during this whole pandemic people without vehicles will not be able to cash their checks in the lobby. Mr. XXXX didn't reply to my question and referred me to the feedback card. 

The problem with this is people who do not have a vehicle nor direct deposit nor access to a device to take a picture and send via mobile app to Wells Fargo will not be able to cash their checks with the branch.
Consumer complaint received 2020-03-31
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: CITIBANK, N.A. (PA)

Recently I contacted Exxon Mobil because of the XXXX XXXX, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from Exxon Mobil. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the XXXX XXXX. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : XXXX ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that Citibank does not discriminate and my credit score is not my Fico score. I guess she thinks I'm XXXX. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. One of which is due to the XXXX XXXX. I guess she believes that I purposely went to XXXX, XXXX XXXX XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX  female.