davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: Navient Solutions, LLC. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-07-12
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. (FL)

I have no knowledge of the following false disputed accounts : 1. XXXX XXXX XXXXXXXX XXXX  XXXX 2. XXXX XXXX XXXX  account XXXX 3. XXXX XXXXXXXX XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2021-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (LA)

5 weeks prior to the XXXX error this card was lost/stolen. I called canceled card and proceeded to change my existing subscription to the gym qnd XXXX. Once new card was received. When the XXXX was alerted to my phone I immediately called netspend and was told I did not cancel my card. I asked the lady why did I get a new replacement card that im is I ng I can not have 2 cards on my account. I said check the ladt time I called. After a minute she says yes I canceled the card but netspend employee did not. She opens a dispute and I wrote in. They sent a temporary credit. They now told me im responsible for charge. This was a trial from 2 months prior I canceled because I paid XXXX. And the merchant had not sent anything in 5 weeks at that time I canceled with them but did not need to with netspend. Later when this XXXX came up I included netspend but I am not responsible because really once I canceled subscription the merchant should not charge me plus card was closed
Consumer complaint received 2024-09-13
Product: Credit reporting 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. (CT)

Ive noticed several companies have pulled my credit report and submitted applications in my name that I never authorized. These inquiries are completely fraudulent, and I have no idea where they came from. I contacted Equifax, and they assured me that these would be removed from my report, yet theyre still there.
Consumer complaint received 2020-07-08
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. (NY)

i Have already submitted a FTC Identity theft report to experian and XXXX and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even belong to me
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CATHAY BANK (CA)

On XX/XX/2022, a staff named XXXX called me from Cathay Bank regarding my account, the balances inquiry, etc and the rep told me he will send me the detailed bank statements, saying that the bank has some returned items from the post office and wanted to know if my address was correct. I gave him correct address and he hung up on me. After few minutes I tried to log back in my account, and was unable to as I was locked out. 
I called the bank again and they would not tell me why I am unable to log in. 
Then I tried calling their back office line, and someone named XXXX told me that my account has been closed by XXXX. I was totally surprised and horrifed! I literally just spoke to him and he never mentioned to me that my account has been closed. XXXX then transferred my call to XXXX at XXXX branch of Cathay Bank, he told me that due to my nationality and amount of balance in the account, they decided to close my account, and this bank is just for XXXX /XXXX  XXXX. I was shocked! 
I just couldnt believe it. I also asked about my balances not correct and wanted to see my bank statement, he declined, XXXX told me he can not send me the bank statements. I strongly feel like this bank is hiding something, not been forthcoming and very unprofessional!. I would like to see my bank statements and the balances in the account was incorrect, the bank is owing me money which they are refusing to pay back to me. 
The bank owes me around {$2000.00}
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had a chance to view full credit report and I saw many inquiries that I have no acknowledgment of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus XXXX XXXX
Consumer complaint received 2021-06-29
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. (CA)

THIS IS MY SECOND TIME WRITING YOU GUYS. I NEVER GOT A REPONSE THE FIRST TIME I SENT OUT MY LETTERS. WHICH IS VIOLATION I AM HERE SENDING MY COMPLAINT. TO WHOM THIS MAY CONCERN Pursuant to 15 usc 1681a ( 2 ) ( b ) " any authorization or approval of a specific extension of credit directly or indusrectly by the issuer of a credit card of similar device " Should be exlcuded form a consumer report. The definition of a credit card under 15 usc 1681 is the same as it under 15 usc 1602 ( i ) which is " the term ' credit card '' means any card, plate, coupon book or other credit device exisiting for the purpose of obtaining, money, propery, labor, or sevices on credit ''. Notice, congress said ANy card. The credit card is my social secuirty card. This is the credit card i used to orginate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( b ). I am demanding that you remove these Transeactions from my report immediatly as they are a violation of my rights as a fedraaly protected consumer under title 15 chapter XXXX. 

I know that I have the right to privacy as a consumer which is stated in 15 USC 1681 ( a ) ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. You are committing idenity theft i never gave you permission.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX  CARD-Date of inquiry XX/XX/2020 XXXX-Date of XXXX XX/XX/2020
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I currently have a joint auto loan that has a remaining balance of {$9900.00}. The vehicle was repossessed in 2019. My issue is that at the time of the purchase, I made the dealer aware of what payments I could afford. The amount they kept offering was at least {$200.00} above my budget, but the dealer insisted that If i paid that amount for 6 months on time, my payment would go down the my desire. I declined that offer. The dealer then went on to offer to write me a check for the difference in the car payments for the 6 months, so that I will only have to pay what I could afford out of my pocket and the check would cover the difference. I agreed to that. However, the dealer did not issue a check for he 6 months difference. I was allowed to take the car home that day and the called the next day for me to sign the paperwork after further negotiations with the creditor. The payment was higher than the initial offer. The dealer and the creditor preyed on us and stuck us in the contract that was not affordable. They set me up to have this repossession. They knowingly set us up with this high level of risk. I have let the creditor know several times that we were thrown into this deal and that it was not affordable. Now, this is impacting both of our credits when we were scammed into this deal.
Consumer complaint received 2022-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX, Capital One, XXXX and XXXX all showed up on my credit report as late payments and in collections. None of these accounts were opened by me. Capital One has 2 accounts for {$500.00} and {$1900.00}, XXXX has 2 accounts for {$900.00} and {$800.00}, XXXX has an account for {$500.00} and XXXX has an account for {$2000.00}
Consumer complaint received 2021-11-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (OK)

Hello, I'm writing you in regards of a closed auto loan on my credit report. The company is XXXX XXXX XXXX. The company sold the debt to Jefferson Capital LLC. I received a letter from a process server that they are threating to sue me if I don't pay this debit. The account is closed on my credit report and Jefferson Capital isn't even on my credit report! Jefferson Capital reaged the debit several months ago. I need your help getting XXXX XXXX XXXX OFF all 3 of my credit reports. The company has threatened me during a pandemic and I just started a new job! I was unemployed for several years. What they are doing is against the law. XXXX, XXXX, and XXXX wont even let me dispute it anymore! That's against the law! Please help me ; XXXX XXXX XXXX or Jefferson Capital Systems LLC they are breaking the law!
Consumer complaint received 2020-08-27
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: Nelnet, Inc. (FL)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized  inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit
Consumer complaint received 2021-07-20
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. (NY)

XXXX erased my student loans as requested with all credit bureaus. However, Equifax missed the elimination process. I ask Equifax to reinvestigate the matter and delete the XXXX student loans permanently. 


COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX /XXXX XXXX is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX performed a review of your account. Please Note : XXXX conducts its student loan servicing operations commercially as XXXX XXXX XXXX and for federally-owned loans as XXXX XXXX. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

On XX/XX/XXXX I was in a car accident. My car was deemed a total loss. My car finance company applied the payment of {$11000.00} to the wrong account. That customer cashed the check on XX/XX/XXXX. That customer did not owe the car finance company anything, their car was paid off. The car finance company is the that customer a refund. The {$11000.00} should have been applied to my account. I have a copy of the check, front and back.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the third time I have had this dispute with Equifax. I am disputing a debt with XXXX XXXX XXXX. I have offered evidence that I only owe {$350.00}. XXXX XXXX validated this evidence on my credit report with Equifax. Then 2 days later XXXX XXXX is claiming that the balance they validated to be correct was not correct after all. Equifax has favored with XXXX XXXX. Equifax is saying that I am a liar and XXXX XXXX is telling the truth. They have not called me a liar but thats what they are doing. I want to know why Equifax thinks XXXX XXXX evidence is more credible then mine when XXXX XXXX went on record with XXXX and XXXX  and validated my claim of {$350.00}. The balance of {$350.00} is still showing up on my XXXX and XXXX  credit report. ( see attached documents. ) XXXX XXXX tells XXXX  and XXXX  that my balance as of XXXX the XXXX is only {$350.00}. That balance is still current. So either XXXX XXXX lied to XXXX  and XXXX or the lied to Equifax because they are reporting different things to all 3. If they are telling Equifax one thing and XXXX  and XXXX something totally different then why is Equifax giving their evidence more credibility than mine? What makes XXXX XXXX evidence more credible then mine when XXXX XXXX themselves validated my evidence. I want Equifax to remove XXXX XXXX trade line from my credit report. Its obvious XXXX XXXX is not credible if they are reporting 2 different stories.
Consumer complaint received 2021-06-04
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: ACIMA CREDIT, LLC (SC)

acima credit fka XXXX, account number : XXXX XXXX XXXX XXXX XXXX, XXXX, UTAH XXXX this company have allowed someone to open an account in my name under identity theft circumstances i have fought this company for over two years trying to have this remove from the the three major credit bureaus, after sending each major bureau notarized copies of police reports showing i was a victim of identity theft, only XXXX, and XXXX, removed Acima credit fka XXXX  from my report
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NJ)

When XXXX  started I was forced as a XXXX  to search for a job. With almost no experiece I filed for many jobs until XXXX contacted me sending with great opportunities. I applied for it and got sent a check home with {$4500.00} to only buy needed materials and return what was left I could not believe it, I tried checking the check online since I thought that wells fargo could detect any fraud, but no the check was in succesfully even after a day. So I continued with the job process I was told to buy a printer for doing fax in the job and buy a laptop. The laptop needed to be purchased with a company they knew to install a software and record my hours of working. The total of this was {$3000.00} but I didnt care because they sent a check fo that. I sent the money to the company and after another day the check bouced. They scammed me and left me with nothing in my account because the school I was going for even gave a XXXX  relief and that was all I had. I contacted the bank which was wells fargo knowing that they had a finacial support according to them. I called and filled a case after making me wait months theg said that nothing could be done, there was no explanaition they just said that they checked the case and my account and that this purchased were done by myself and no fraud was seen they could not help me. I need help regarding this issue like me many have gotten scammed, and I wish I could get my money back losing this money made me even stop my studies. Please help.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). 

My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. 

On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. 

On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. 

To this date, the funds have not been returned to my account by US Bank. 

Any assistance would be greatly appreciated.