davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems Inc has not validated the debt and the debt does not belong to me. Medical Data Systems Inc is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems Inc please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems Inc has not validated the debt and the debt does not belong to me. 

The account is on my credit report from your company. Please remove the account immediately as the debt does not belong to me.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MO)

XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX to dispute the debt only to get cussed at
Consumer complaint received 2022-03-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX {$3300.00}, Actions taken-disputes filled with proof that car was paid off by insurance on XX/XX/XXXX. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax $ XXXX XXXX XXXX {$3300.00}. I've tried several times but no-one will assist me any further. 

This is a violation of section code 15 U.S.C 1681G Law Violation XXXX XXXX XXXX is reporting inaccurate payment history on all three credit bureau 's. They are reporting late payments with different amount on all three bureau 's XXXX, Equifax and XXXX. I've tried several times but no-one will assist me any further. They even overlooked the late payment laws for covid XXXX. 

This is a violation of section code 15 U.S.C 1681G Law Violation
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am reaching out due to investigation not being conducted on these accounts. Also nothing has been sent any information via mail. Have been sending dispute letters and the have not been put under investigation which is a major violation of the FCRA. CREDIT XXXX XXXX XXXX XXXX XXXX saying meets fcra requirements when the open dates are completely different and the last active dates. 
CONSUMER COLLECTION MANAGEMENT XXXX XXXX XXXX LISTED XXXX HAS NO ACCOUNT NAME LISTED A HUGE VIOLATION WITH FCRA. 
XXXX XXXX These accounts have not been investigated in months. I know my rights as a consumer and will enforce all the way through. Attached are disputes that I have sent over the last few months with no response.
Consumer complaint received 2022-10-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

My Complaint is in reference to elderly abuse and taking advantage of our situation. 
Ref : Wells Fargo Home Equity Loan My Father XXXX XXXX, passed away in XXXX  without having a will or any assets. He lived the last 10 years of his life with XXXX which got worse each year. My brother had made payments on this loan but had a major medical issue and with his additional medical bills he no longer could make payments. 

I have been requested by my family to work with Wells Fargo to get this resolved. Having worked with Wells Fargo, I have 3 major complaint items : 1 ) My father did not communicate well with the XXXX, and no one know about this loan. We wonder if this is a loan created by a Wells Fargo employee without my fathers approval or knowledge. 
2 ) If he did apply for this loan why wasnt multiple red flags set for Wells Fargo. Why would a 30-year mortgage be giving to a XXXX plus year old man? He would have to live into his XXXX to repay this loan. Why was a co-signer not requested as a condition of the approval process. Since most people do not live into their XXXX this was an unreasonable expectation. 
3 ) My siblings and I negotiated in good faith with Wells Fargo but Wells Fargo did not. We offered a XXXX settlement Wells Fargo counter offer the full balance of the loan. We offered a XXXX settlement Wells Fargo counter offer the balance in full. No movement at all from Wells Fargo, this is not good faith negotiation. 
I explained that my brother who is a veteran on XXXX lives in the house and taking it away from him is totally unacceptable. Wells Fargo clearly communicated that they only care about the numbers and since the house appraised for $ XXXX they want us to sell and give them the full balance. This is not possible and not a fair way to treat a family. Wells Fargo said the only thing that we can do is a loan modification to lower the payments on a loan that was acquired using very bad business practices. 

Please help me to resolve this issue. Thanks so much!!
Consumer complaint received 2022-06-04
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)

Equifax is requesting information to verify my identity. This information was sent to them on XX/XX/2022, complaint # XXXX. This seems to be a stall tactic with the credit bureaus. They are reinserting information without my knowledge and not following the law according to FCRA.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC (NV)

Here 's a recap on what happened : On XX/XX/XXXX, I called and spoke to a support specialist about making payments to loan : # XXXX, I asked about adjusting my payments to $ XXXX. The specialist sent me an ACH agreement which I signed. On XX/XX/XXXX, I noticed that my account had been reported as delinquent. I have authorized a payment of {$2400.00} to bring my account current.
Consumer complaint received 2022-06-04
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. (OH)

I accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Original Creditor ), 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 a account without my written instructions.
Consumer complaint received 2022-03-05
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: BARCLAYS BANK DELAWARE (NY)

Balance transfer payment of {$7000.00} from XXXX  to Barclays/JetBlue XXXX canceled and payment returned to XXXX  but transaction of official check posted twice each for {$7000.00} on Barclays/JetBlue XXXX account XXXX
Consumer complaint received 2022-06-04
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: Nelnet, Inc. (GA)

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my right 15 UCS 1681 Section 602 States i have the right to privacy 15 USC 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (KY)

PNC included a free safety deposit box with my premium virtual wallet account when I opened my accounts about 15 years ago. This year, they are charging me {$88.00} with a payment due date of XX/XX/22.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (KY)

My credit score has significantly decreased from over XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX ( an all-time low for me ) due to high credit card use. The root cause of the high credit card balance was an administrative delay by PNC Online Bill Pay. I scheduled a payment on XX/XX/XXXX. I called PNC Customer Support on XX/XX/XXXX because the payment had still not been processed. I was instructed by PNC customer support to immediately stop payment on the XX/XX/XXXX PNC Online Bill Pay payment and pay with a PNC Internal Transfer on XX/XX/XXXX. I was told this would be both the fastest method of payment and reduce the risk of a duplicate payment. I followed these instructions and took these actions. I was told the only way PNC could look into my problem was to write a letter to PNC Bank Consumer Credit Bureau Investigations. I did so on XX/XX/XXXX. PNC left a voicemail on XX/XX/XXXX that PNC would not be contacting the credit bureaus to fix my credit history. This problem impacts me, my wife, and my two sons since we share this credit card.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

There is a bankruptcy listed on my credit report that does not belong to me. Additionally, there is an address that I have never lived at. Please remove them from my credit history as this is hindering me from attaining a home loan.
Consumer complaint received 2023-08-04
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-06-04
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. (NC)

In accordance with Fair Credit Reporting act XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.

15 U.S.C 1692 section C : ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX  postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Consumer complaint received 2022-06-04
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: Social Finance, Inc. (VA)

On Thursday, XX/XX/2022, I received an unsolicited SoFi Mastercard credit card in the mail at my home. The card was in my name and sent to my home. I did NOT request this card. 

On Friday, XX/XX/2022 at XXXX EST, I called the SoFi credit department to make a complaint. I was transferred to someone in Credit Fraud who closed my account and submitted my case to the SoFi Security Team as well as to XXXX, XXXX and XXXX. I was given the email address of the SoFi Security Team ( XXXX ) in case I needed to ask any further questions and was also advised to contact the CFPB to notify you of this event. 

On Thursday, XX/XX/2022 I also received an unsolicited SoFi Mastercard debit card in the mail at my home. This card was also in my name, though I did NOT request it. I was told by the SoFi credit card fraud department to speak with their Banking and Finance department about that case. I was also told by CFPB to submit a separate complaint about that card.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

My husband and I filed a Chapter XXXX Bankruptcy in XXXX of 2009. However, after filing it, we changed our mind and decided to simply deal with our debt. However, the attorney that we used did not tell us it would still remain on our credit report for the standard SEVEN years. So, for the last seven years, we have done our best to build our credit and actually have pretty good scores FINALLY. Everything I have read on the credit reporting agency 's websites and online indicates that a Chapter XXXX will be removed after SEVEN years. After checking our credit scores and reports, we noticed that Equifax had not removed the Bankruptcy. XXXX and XXXX removed it automatically. I have filed a dispute online with Equifax, however with limited options with their online dispute form, they responded that the Bankruptcy was reporting correctly. I then typed up a very detailed letter, along with information from their own website showing that a Chapter XXXX should be removed after SEVEN years. I received a response from them indicating that I did not provide enough information. I am frustrated and do not know what else to do. Equifax simply refuses to remove the Bankruptcy. I would also like to reiterate that WE DID NOT GO FORWARD WITH THE BANKRUPTY and paid our bills. The laws or regulations regarding this type of transaction incident should be changed to enable the bankruptcy to be removed once it is determined that it was not proceeded with. A simple filing should not stay on a credit report as if it was done. It 's simply not just. I am hoping that this agency can get Equifax to remove the Bankruptcy. Thank you.
Consumer complaint received 2022-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc. (OH)

I sent a debt validation letter to Team Recovery Inc off in XX/XX/2022 which was received by them by XX/XX/XXXX. I did not get a 30 day response back to validate the {$730.00} they say I owe in medical debt. It is now XX/XX/2022 and I still have not received anything back in the mail that I check daily.
Consumer complaint received 2022-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

3 unauthorized ATM charges were made on my savings and checking account : ( 1 ) 1 transfer transaction between my savings account and checking account in an amount of {$380.00}, ( 2 ) 1 ATM withdrawal in the amount of {$1000.00}, and ( 3 ) 1 ATM withdrawal in the amount of {$600.00}. These charges emptied my total funds in my checking account leaving me with {$76.00}. I made a fraud claim with Chase and they provided the temporary hold for the first transaction but they still have not provided the credit for the other two transactions, totaling {$1600.00}. They said that these were not physical ATM transactions but online XXXX XXXX  payments and they are still investigating these transactions. I have been following up with them everyday and I still have not received my credit.
Consumer complaint received 2023-07-24
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. (MI)

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX ACCOUNT # XXXX Balance XXXX
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc (MD)

I have a debt through paypal for some purchase i made a year ago, they reminded me constantly about it, I already put some funds in this account but i cant make it fully i got other debts aside it but i pay the mnimum each month i don't miss payments, I don't have the full amount to pay now, i got financial problems and they keep messaging constantly they even sent a debt collector letter home, they don't give the option to pay them every month little, they want the whole amount i don't have how to pay them now, the debt is {$1700.00}, it was {$1800.00}. If you can help me or hold this payment it will be so appreciated.
Consumer complaint received 2022-04-21
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
USDOE/XXXX  XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, XXXX XXXX XXXXXXXX XXXX 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 a account without my written instructions.