davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Billing statement — 
Company: WELLS FARGO & COMPANY (TX)

XXXX use my XXXX ( provided by Wells Fargo bank ) card number ( ending in XXXX exp XXXX ) for recurring charges. 
Since card ending in XXXX expires on XXXX Wells Fargo card company send another credit card ending in XXXX exp XXXX. 

But XXXX has old card number ( ending XXXX and exp XXXX ) on their file. I never updated billing card information in XXXX. Neither I activated new card ( ending XXXX ). 
But still Wells fargo accepted credit card charge from expired card. 

I was sure that since the card has expired XXXX will not be able to charge using old card information. But Wells Fargo card service has accepted the charge on XXXX and XXXX. Since I did not use this card anywhere I did not pay attention to Wells Fargo card account. Hence I miss payment. On XXXX I got billing statement and found that I owe {$91.00} with the late fee of {$27.00}. 
I contacted company customer care and they inform that since my account number remain same they will accept the charges from expired credit card. But when I check my new statement account number it ends in XXXX. 
My question is will credit card company accept the charges on expired credit card.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

My loan was transferred for servicing and one payment was put in the back end of my loan. 

Then my payment increased in the amount escrow shortage per Sps rep {$1300.00} which I know is the payment was promise in writing to be put on the back of my loan. 

The payment increase from {$870.00} {$910.00} then {$970.00}. 

I informed SPS XXXX2019 of the trigger I can not afford to pay and dont want to loose my property and need to make my mortgage payment without a late fee effective XXXX2019 I was told the increase was for taxes and insurance. I know my insurance has not increase and my taxes may have increase. But that adjustment was done the prior month of why my mtg payment increase after the transfer of servicing rights.
Consumer complaint received 2016-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (VA)

I am a soldier ( XXXX XXXX XXXX ) .I have gotten a letter in the mail from the State of Maryland XXXX College stating that my account is in collection.I have already sent out a letter stating that I have dispute the validity of this debt. I receive tuition assistance because I am XXXX XXXX. Tuition assistance is suppose to cover the cost of classes so the only thing a soldier would have to pay for is books and other materials for classes. The XXXX classes I took was covered but the XXXX and XXXX was not. The first time I registered myself, I had no issues. The counselors registered me thru the college website the second time and now issues have arisen. I noticed that it takes a long time to reflect on their website that tuition was covered by tuition assistance. I received a letter thru the mail that I was in collection and this was my first and only notice about that. As soon as I got the collection letter I went to the school representative but was told they could do nothing about it. I found out through another counselor that it is not only happen to me but other soldiers have gotten a bill when tuition assistance should have been covering their cost. The counselor also stated that other schools would drop the class for you if they do not receive tuition assistance protecting the soldier from incurring unnecessary cost and not messing up a soldier 's credit. She also told me that the only way for me not to be charged is it has to be system error in the XXXX website or it was a counselor error. Yes I did apply thru goarmy.ed for tuition assistance. The XXXX classes I took was for XX/XX/XXXX and I pass both classes. I received the bill in question XX/XX/XXXX. Someone should have contacted me sooner so I could have remedy the problem quicker.
Consumer complaint received 2015-12-14
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (TX)

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

Experian sent me a letter, in response to my certified letter of dispute, claiming that my letter was suspicious and being disregarded, and that they were contacting law enforcement. When I called and told them it was not suspicious, they asked for my credit report number or SS # as verification. I gave them the credit report number from the credit report I had received from them, which was also included in my letter, which they deemed suspicious. I said I have the post office certified receipt, and could send a copy of that as proof. The representative on the phone told me if I sent more letters, they would also be deemed suspicious, and not acted upon, and I would simply receive more letters like the one I received today, stating that my letter was suspicious.
Consumer complaint received 2015-06-03
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Google Compare Credit Cards Inc. (GA)

I opened an account with Google wallet which is pretty much a prepaid type of account. My stepfather deposited money for my birthday. I used this money for a hotel on vacation. The hotel over charged a few times and eventually submitted a refund. The day the efund cleared i got an email stating that my account had been suspended for violating terms. Google wallet refused to tell me which terms and stated they had the right to close account without reason. I had a positive balance of {$190.00} on the account and they would not let me access it, stating that it would be refunded to the account linked to card within 30days of account being suspended. We are now on a little over 60 days past account being closed and not only have i not recieved the refund but the company refuses to respond to my emails and will not give any sort of update. I put a complaint in with XXXX. The response Google wallet is giving is that same : that i will be refunded in 30 days even though we are past that. I have copies and copies of emails and my XXXX complaint that states in writing from them that it will take no longer than 30 days. At this point they are violating my rights and causing me a get deal of stress and time to resolve this. They are violating their own terms and i should not have had to wait this long for my refund.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2020-10-16
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: Experian Information Solutions Inc. (CA)

I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from my credit report.
Consumer complaint received 2020-10-16
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. (GA)

THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2019-02-21
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)

My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX
Consumer complaint received 2015-05-08
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Delbert Services (ID)

I received a call today stating that I have been sued and that they have sent garnishment papers to my employer for a western sky loan that they say was taken out in 2011. I filed bankruptcy in that year they said it was taken out after that. This company has not contacted me up until today. I have not received any kind of paper work what so ever. This account has been sold to XXXX XXXX XXXX and I have read complaints that they are trying to collect on debts that have been paid off or forgiven.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Credit Card : This is a Request for Documentation of Legal or Equitable Chose in Action. Please forward to the legal counsel of Wells Fargo. A response is expected with 14 days.

Please see attached. Thank you.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX Inquiry date XX/XX/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 MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2015-05-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

portfolio recovery associates is trying to collect on I debt I do not believe is mine. They stated in the letter they purchased this bill in XX/XX/XXXX in regards to a phone bill not paid in XX/XX/XXXX they were not able to supply and address for this bill and the information they do provide is very vague. This debt would be XXXX years old if it was valid and according to the past history of this company I believe this to be a scam.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

It seems that every year when I request online an annual credit report from Experian, the website states that it can not be done online. Their response is, and has been in the past, : " A condition exists that prevents Experian from being able to accept your request at this time. '' Something tells me this is baloney. XXXX and XXXX seem to be able to do it flawlessly. 

It doesn't seem that Experian is following the spirit of the law by always disallowing an online request. 

XXXX they are XXXX  you and me around.
Consumer complaint received 2022-07-20
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. (MS)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2015-06-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I did my taxes on XXXX XXXX 2015 and my taxes still pending for 4 months then i called the irs office and they told me that they cant send my refund cause they need to verify my id, so they transfer me to another office and XXXX lady ask me a lot of questions finally they found that im the real XXXX XXXX XXXX and that somebody in new york used my name, my last name, my second last name and my social security number there, that person filled the taxes using my info, i call a company to report a identity theft and they said that the only thing that can do is put a fraud alert in my credict report, another concer is that they sent me a credit report and it shows XXXX phone numbers that never belong to me ...
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to correct the issue of the late opening of my account with [ Company Name ]. Despite multiple communications and efforts on my part to rectify this matter, it remains unresolved, causing significant inconvenience and dissatisfaction. 

As a loyal customer, I expected a higher level of service and efficiency from your organization. However, the prolonged delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to conduct my financial affairs smoothly. 

I have made several attempts to resolve this issue by contacting your customer service department, providing the necessary documentation, and following up diligently. Regrettably, these efforts have not yielded a satisfactory resolution, and the issue persists. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the late opening of my account. Timely resolution is essential to restoring my confidence in your company and ensuring a positive customer experience. 

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Please understand that further delay or negligence in addressing this complaint will compel me to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-20
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 XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2018-03-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AZ)

About a year ago my repayment agreement expired ( I was unaware, however it was my fault due to simply not paying attention ). My husband and I both have student loans with XXXX XXXXXXXX XXXX and we were both paying XXXX ( roughly ) a month, so around XXXX on a pay as you earn plan. So we reapplied on line and, with exactly the same financial info, the payments turned into around XXXX EACH a month - not doable. He finally got his worked out to XXXX a month but, using the SAME information, mine jumped to XXXX a month. First off, there is no way our amounts should be this vastly different. Secondly, I have tried NUMEROUS times to resolve this. When I did get through ( impossible to get hold of ), they sent me NEW paperwork ( said it was the right paperwork and what I had before was wrong ), which they then sent a response saying it wasn't time to renew. Then I signed the paperwork saying to recalculate anyways and the payments jumped to XXXX!!!!!!!! I've been trying for 8 months to get my payments doable. I am trying to pay back my loan, but they are only open the hours I am at work and the hold time is at least 20-30 minutes and THEN they transfer you to another department for ANOTHER 20-30 minutes ALL THE TIME!!! I need help ... desperately.
Consumer complaint received 2016-04-01
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (MD)

I am moving to XXXX in two weeks, so I need to fix up my townhouse to either sell or rent it out by XX/XX/XXXX. I have XXXX mortgages, XXXX and XXXX. So, I decided to combine the XXXX and refinance. So, I went to Quicken loans online to get pre-approved and then contacted a finacial person. He looked up my score and said he ca n't give me the loan because I dont have a score of XXXX according to the FICO XXXX they are using. They were seeing XXXX, XXXX and XXXX. But my FICO XXXX and XXXX Score for mortgages according to XXXX ( I subscribe to ) is FICO XXXX : XXXX, XXXX, XXXX - XXXX XXXX : XXXX, XXXX and XXXX not matching what they see. Something is wrong, I have the right to see excactly what the lenders are seeing. I need the extra money to fix up my place and this combined 15 year mortgage 2.75 % would put about a {$1000.00} in my pocket, thus freeing money to pay down on my debts in large amounts and quickly. Right now my first mortgage is {$1000.00} without taxes and insurance which I pay on my own and the second is XXXX a month, so that is {$2200.00} a mnth. Note : one is bank and the other is a credit union. I always paid my mortgage on time, no late payments. In fact the XXXX mortgage is taken right out of my paycheck biweekly.