davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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: LEXISNEXIS (NJ)

On XX/XX/XXXX and XXXX and XXXX, XXXX, I sent letters all three credit bureaus asking for them to remove bankruptcy off my report. They somehow claimed they verified accurate information by via LexisNexis and XXXX  yet, failed to respond to my questions of their methods of verification. XX/XX/2022 I resent letters certified with tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I went to the courthouse asking do they report bankruptcies to any credit bureaus and they immediately said no and gave me correspondence stating that US Bankruptcy Court do not report or provide information to credit bureaus or any other agencies. LexisNexis sent me an opt out letter stating they protect my information. So, if thats the case, how did the credit bureau verify a bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 U.S.C. 1681. 15 U.S.C. 1681 section 603 ( 3 ) ( E ) States ; the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit report obtained directly from a creditor of the consumer or from a consumer reporting agency. When was such information obtained? You have violated my rights numerous times. You have violated my given rights under 15 U.S.C. 1681. According to 15 U.S.C. 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C.1681 section604 A. Section 2 : A consumer reporting agency can not furnish an account without written instructions. According to 15 U.S.C. 1681 s-2 ( A ) ( 10 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I received a text message from what claimed to be Wells Fargo asking if I authorized a XXXX transfer. I replied no. Then a few minutes later I received a call from what was the exact Wells Fargo customer service number. I spoke with someone who claimed to be a banker and he stated that someone was taking XXXX in XXXX and that to stop it I needed to XXXX money to myself. I added my phone number and name as a receipient after verifying again that it was the Wells Fargo phone number on the website. I then completed the transfer after the banker told me that this was the only way to stop the theft. They hung up on me as soon as the money left my account and I realized I had been scammed. I called Wells Fargo right away to report it and since then they have claimed they have no obligation to help me regain my funds. I have escalated the case 4 times and have been denied every time because they claim even though it was coerced I authorized the transfer.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc. (TX)

The account on my credit related to this company. I have mailed letters to have it removed without any response. HI, There are is an account showing on my credit report for XXXX XXXX Bank. The account number end XXXX. They are reporting to three credit bureaus. All of the information reporting is inconsistent between the 3 bureaus and I don't know about these accounts. I am not even able to get the full account numbers. My birth date is XX/XX/ to help them accurately remove the accounts from my credit. The company is in violation of the credit reporting act. This is predatory and I feel that I am being targeted with this account.
Consumer complaint received 2022-08-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I was denied credit due to collection account in Equifax credit report. I do not have any collections in my report. And I disputed four accounts for balances incorrect, the disputes report balances were adjusted but the credit report has not changed. And my credit score is XXXX points different from other Equifax report.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

To whom it may concern : My name is XXXX XXXX XXXX XXXX. I'm writing this complaint to find if my mother " { XXXX XXXX XXXX } who is deceased since XX/XX/XXXX, had these two IRA accounts closed out. I just found them my parents ' house when we were cleaning out boxes of their property. 
My parent 's address was XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this will be name and address on the two IRA accounts that I have, and account numbers are on next page of your letter. 

I wrote to the office of the Comptroller of Currency, and they directed me to write to your office. 

Both my parents are deceased now, and I am the only child. My dad passed away XX/XX/XXXX, his name was XXXX XXXX XXXX. 

The accounts are from XXXX and were both with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Since then, the bank was changed several times and most recently is under name J. P. Morgan Chase. 

I tried the local branch but wasn't successful in getting help. 
I have both books and account numbers if needed. 

Please see if you can help me find out if they were closed or not and how to get funds back if they are still open. 

Thank you XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (GA)

I have made several attempts to have Experian validate a account theyre reporting on my credit file from XXXX XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Experian has taken my originals letters I have made it very clear that I do not consent to e-Oscar or any other means of automated verification. Serveral letters requesting this information was delivered and received by Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Experian to provide this information in the court of law.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MO)

Have a car financed through westlake financial that become due on XXXX XXXX from that date I received seven phone calls from then to XXXX none of which left a voicemail any time. Never been late on a payment in almost XXXX years and when I asked why I got 7 phone calls that were only few hours apart the person I spoke to claimed there was no way got called that many times basically calling me a liar. Not sure if there is no communication within this company but XXXX phone call a day is plenty specially if dont leave message to why you are calling
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Accounts listed bellow : XXXX XXXX XXXX #? 

XXXX was unable to provide me CLEAR and ACCURATE information regarding this fraudulent account.
Consumer complaint received 2019-05-31
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. (FL)

I call transunion a few weeks ago and they told me they were going to have XXXX XXXX deleted from my account because i have no knowledge of it. I disputed the account and all they did was update the information which is making my Credit worse. I had to put a freeze on my consumer report because theres been alot of fraud going on and i am fearful that some has mistaken me for someone else.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I have unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fradkin & Weber PA (WA)

Two days ago my employer who is based in Washington state received a writ of garnishment of wages with court order from Maryland state from XX/XX/XXXX. On the letter with stamps was added information of e-filing of this case on XX/XX/XXXX in district court in XXXX - XXXX. I checked the district court no such case number came up. Checked the XXXX database for cases filed on XX/XX/XXXX, XXXX and XXXX and did not find one that was on my name. I have a letter from IRS from XXXX that states that the debt was canceled/forgiven from the landers. I believe the representative of the plaintiff : Fradkin & Weber P.A. based in XXXX MD, is trying to scam me and my employer to make a payment to reset the time of my already forgiven debt so it is active and take money from me. They could not go to local courts in the state I live now because the case do not exist anymore because of state of limitations has been way over due ( by 5 years for the judgment and 6 years in my count for the debt ). Unless of course I made or in this case my employer make a payment on my behalf by complaining with this old out of state judgment. 
Money originally ( forgiven ) was XXXX $ On top of that they added fees persentage of interests varied from 15.21 % for the first year and 10 % for the remaining 11 years which brings the final amount they are seeking to XXXX $ I believe they are trying to scam me and that Fradkin & Weber are fraudulent company. Simple google search will bring up numerous reviews from people in my situation.
Consumer complaint received 2023-09-16
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: Experian Information Solutions Inc. (FL)

Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX Experian XXXX XXXX, XXXX credit report., latest credit report shows below credit inquiries that I did not authorize, I am writing to dispute the following inquiries and ask for their removal from my credit report. 

as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 



XXXX Account name : XXXX XXXX XX/XX/2023 ( I dont have any car or house ) I dont know why I see XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-11
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: EQUIFAX, INC. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2022-01-19
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: JPMORGAN CHASE & CO. (AL)

I am reaching out to you to complain about the credit reporting agencies and companies that have ignored request for removal. The following accounts are not mine and must be removed immediately XXXX, NC XXXX, XXXX XXXX, JPMCB Card. I am a victim of Identity Theft. I have contacted XXXX, XXXX, XXXX on 5 different times with no removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Consumer complaint received 2022-06-15
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. (LA)

In accordance with the fair credit Reporting Act XXXX  Account XXXX XXXX XXXX, # XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-03
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. (AL)

XXXX I have contacted XXXX multiple times through phone calls and certified letters in order to resolve accounts that have been reporting incorrectly on my credit report. In order to resolve the issue I have asked XXXX for verification and how they verified said accounts. The FCRA states they have 15 days to do this, in which they have also failed. There have also been many discrepancies with the falsely reporting accounts such as balances on closed accounts, accounts that do not show up on other reports, for the accounts that are reflected on other credit bureaus they have discrepancies on the open and close date. There have also been inquiries reporting in which I did not authorize. I have also called and written letters regarding this as well. The said accounts/inquiries are listed below : Accounts XXXX XXXX XXXX Account number : XXXX -XXXX Account number : XXXX -XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX CO XXXX XXXX XXXX XXXX XX/XX/2021 Equifax I have the same complaints regarding Equifax, the accounts and inquiries are listed below : Accounts : -XXXX Account Number : XXXX -XXXX XXXX  Account Number : XXXX -XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : EQUIFAX MORTGAGE SERVICES request by XXXX XXXXXXXX XXXX XX/XX/2021 EQUIFAX MORTGAGE SERVICES request by XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2021-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MO)

Hello, I know that FedLoan servicing is tasked with an immense project for maintaining records for borrowers attempting to receive Public Service Loan Forgiveness, but the customer service I have received has been deplorable. I have kept records of every interaction with their representatives for the past three years because I can not trust anything that occurs with this provider. 

Today, for example, I was on the phone for 46 minutes attempting to resolve an issue with my employment certification, 30 minutes of which ( at least ) were on hold. Did I mention that I was attempting to call about a form I submitted two months ago, which is not showing on my account? The turn-around time for this form should be 7-10 days. Basically, any transaction I try to complete with FedLoan takes a quarter year to complete. Yes, you read that right : a quarter year. Three months. 

Anyway, after being told that everything looked fine on their end ( but their website was acting " glitchy '' ), I was told to wait a few days and check my employment certification again. I then received two call-backs that I missed. When attempting to call back, I was sent to three different customer service reps in rapid succession with no explanation. In the end, I found someone willing to speak to me, and they told me they'd submit some kind of request and to check again in 7-10 days. I was never able to find the original customer service representative that called me back.

7-10 days. Again. 

I don't know what to do at this point. It's been three years of headaches dealing with FedLoan.
Consumer complaint received 2019-05-31
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: EQUIFAX, INC. (GA)

I have made several attempts to have Equifax validate a account theyre reporting on my credit file from XXXX XXXX. After several failed attempts in requesting that they validate and provide copies of any documentation associated with this account, bearing my signature. I have been keeping carful records of all actions that Equifax has taken my originals letters have made it very clear that I do not consent to XXXX or any other means of automated verification. Serveral letters requesting this information was delivered and received by Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as of today XX/XX/XXXX they have fail to comply with the Fair Credit Reporting act and to my request this is my final attempt at resolving this issue before proceeding with filling a lawsuit and having a judge order Equifax to provide this information in the court of law.
Consumer complaint received 2022-07-10
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-10
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. ()

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2021-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AR Resources, Inc. (NJ)

Invalid debt from XXXX being collected by AR Resources and reporting to XXXX and XXXX credit bureaus. I filed Chapter XXXX Bankruptcy which was subsequently discharged in XXXX, file attached. All unsnecured debt acquired prior was discharged. Debt being collected predates the bankruptcy filing. I communicated with XXXX regarding this error via their secure portal in XXXX and XXXX. Large portion of this debt was acruded prior to filing date and therefore was discharged. I provided XXXX and AR Resources bankruptcy discharge documentation, explained in writing, neither has responded after 90 days and I am in turn prevented from taking action towards purchasing a home. I spoke to AR Resources on the phone re : bankruptcy discharge, no progress made. Debt reporting is not accurate. US Bankruptcy law is binding. AR Resources has not responded to four rounds of communication and needs to cease reporting to the credit bureaus immediately as their tactics are personally and financially injurious, in addition to being a HIPAA violation, which I also informed both entitites of, no response.
Consumer complaint received 2022-12-29
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)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX