davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I mailed off my letters off on XX/XX/2021 with my FTC report well as FCRA 605B ( 15 U.S.C. 1681A States ( 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. XXXX Equifax & XXXX all have violating my consumer rights by not having these items DELETED within 4 business dates
Consumer complaint received 2020-06-06
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: I.C. System, Inc. (GA)

XXXX  has an incorrect claim on my credit report And has deducted XXXX points from my credit score. I never received any treatment or XXXX  at XXXX XXXX XXXX. I am a female and not a male. When I called ic Systems, the collection agency for this account, they claimed it was for a XXXX  XXXX ( XXXX  ) and the patients name is XXXX XXXX XXXX. This is not my name or gender. I have filed a case with the FTC and law enforcement about this charges yesterday because XXXX  has deducted XXXX points from my credit score also. Please remove this charges from my credit report. I am a good citizen that has always paid all my bills on time. This is so unfair to me and a nightmare. I used to be married to a XXXX XXXX XXXX and had a brother in-law with similar initials. I divorced XXXX over 3 years ago and moved from that address in 2017. Please fix this because its giving me nightmares. XXXX XXXX XXXX is not a variation of my name but the credit reporting agencies have added that name to my account.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

Please help me resolve the nonstop, inaccurate billing sent to me since XXXX by Paypal Credit through Synchrony Bank. I used Paypal Credit for convenience in ordering home-delivered items from Walmart since I am a XXXX, homebound senior citizen.Things were ok at the start, but after I disputed some charges the situation quickly deteriorated.I called multiple times, was transferred from dept to dept & put on hold for as long as 3 hours, then often after the long wait, was disconnected. I put up with this no resolution no cooperation nonsense since XXXX. Today XX/XX/XXXX, I escalated the complaint to CFPB ( Consumer Finance Protection Bureau ) which previously " instantly '' resolved my 2 yr loan modification battle w/ XXXX  XXXX XXXX in an impressive1 week..after being denied without reason by XXXX XXXX XXXX for 2 years ... All it took was escalating the complaint to CFPB. 

I spoke again today to Paypal Credit ( Synchrony Bank ) about their latest letter dated XX/XX/XXXX, useless communication like before with unexplained interest and finance charges and no details despite my repeated requests since XXXX. In XX/XX/XXXX I instantly paid off about {$270.00} in valid Walmart purchases after these were finally itemized to me by phone, and I ended with a credit balance of {$25.00}. I was told to ignore the unexplained penalty charges since these were caused by Paypal Credit 's refusal to give details of the bill which made payment impossible. Yet after getting this credit balance I again was unexplainably billed over {$300.00} in penalty fees, with no detailed explanation. After wasting time with many representatives and getting nowhere since XXXX, I decided today that I would escalate the complaint to CFPB to get results.
Consumer complaint received 2021-07-16
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: BARCLAYS BANK DELAWARE (CA)

I received a billing statement from JetBlue Rewards XXXX. I do not have a XXXX, nor have I ever applied for one. The statement I received is clearly labeled " Statement '', it is not a marketing brochure. There is an account number on the statement and it was sent to my name with correct mailing address. There was a {$59.00} charge from the previous billing cycle, which was also credited back. There is no balance on the account. I called XXXX immediately as I thought someone had fraudulently opened an account in my name. They asked for the last four digits on my account. It apparently is/was an open credit card. They ( XXXX ) also had the last four digits of my social security on file. The first person I spoke with at XXXX told me they would transfer me to their security division. I was on hold for an hour and a half. I contacted the main number for XXXX again and explained my problem. They told me there was no one available that I could talk to. They also told me that my account was closed last month. I asked them who opened the account and who closed it, as I did neither. She could not tell me. It seems to me that XXXX fraudulently opened this account or that this " statement '' that was mailed to me as a marketing gimmick. Isn't this the same thing that XXXX XXXX did? I am furious. I do not have a XXXX, did not apply for one, yet an account was opened and a statement sent to me even though no card has ever been sent to me. When I asked XXXX if the account was closed by their security team because someone fraudulently opened it, they could not give me an answer. I asked them if I have never reported that I thought the card was opened fraudulently, who closed the account and why? There was no activity on the card ( and I have never been sent a card ) so it is illogical that their security team would have closed the account without talking to me or verifying this. I am a woman in her late XXXX and I am pretty sharp. What angers me most about this is I know my elderly mother receives similarly misleading marketing material and it is confusing and deceptive. This has to be regulated. This particular scheme seems completely illegal. Is XXXX allowed to open an account in my name without my permission an then send me a statement?
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Transunion ( Fraud Victim Assistance Department ) XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint
Consumer complaint received 2021-05-25
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. (OH)

On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 daysstated that a later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX
Consumer complaint received 2020-07-25
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: Radius Global Solutions LLC (PA)

Someone is using my credit. This person have caused my credit to dropped down 43 point. I do not know this individual. I just started building my credit for the past months now while someone is damaging that Im building up. This person is using my credit in a different state and Im in different state. If this person is not stop now, Im going lose all of my credit that Im fighting so hard to build up. I need this fraud to be held accountable for such behavior. 

This is the information of the fraudster that is using my credit. 


RADIUS GLOBAL SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$420.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX Monthly Payment {$420.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$420.00} Balance Updated XX/XX/XXXX {$0.00}
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (NV)

I have made several attempts with the credit reporting agency Equifax to follow the law and remove fraudulent trade-lines on my credit file. The company is reporting these items as 'verified '. How could these items be verified? They report on no other credit reporting agency 's site. I've sent backup from the FEDERAL TRADE COMMISSION ( FTC ) showing that the trade lines have been properly reported to an agency. The trade-lines XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX are all reporting on my credit profile and all items should have been previously and presently DELETED from XXXX XXXX XXXX 's profile. 
Additionally, upon disputing these particular items for a forth time my credit score immediately dropped over 50 points. This is an unscrupulous act by the named agency!!! 
How am I to be punished with a score drop because of me wanting my due justice? There is no valid or legitimate reason for this. NO OTHER agency is reporting these items except EQUIFAX.
Consumer complaint received 2023-09-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am putting forward this complaint to request the removal of several fraudulent inquiries from my credit reports with the Credit Bureaus XXXX, XXXX, and TransUnion. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (OR)

Hi there, I signed to purchase my first car from a dealership in XXXX of 2016. I purchased a used XXXX  XXXX XXXX. Total cost including warranty & gap insurance was {$20000.00} with 10 % interest. The only monthly payments I could afford were the 7 year plan payments. I was approved by ally auto bank. I have been paying on time for over 3 years but ally is saying I have only paid 1/3 of the total balance. With {$1400.00} paid to interest last year how is this possible? I am so confused how 10 % of XXXX ( {$2000.00} ) is now closer to {$10000.00} that I will have to pay? I the cost of the vehicle is 50 % more. Not 10 %. This interest is a mistake or a lie. I am so confused. The bank says I will have to pay over {$30000.00} total by the end. This is robbery. I agreed to 10 %. Not 50 %.
Consumer complaint received 2020-07-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Attorney General is reporting that my account is delinquent and that I owe a balance. The child that it's reporting on is in my XXXX and has been since XXXX of XXXX. I called in XX/XX/XXXX to request a modification and nothing happened. I called again in XXXX to request a modification again. They agreed and asked if I wanted the payments to be held or to be continually dispersed to the other parent. I asked that they be held. The payments have continued to come out of my paycheck and held by Attorney General until the case could be closed. The problem is that even though they are garnishing payments from my check and holding them, they are also reporting the payments as delinquent since XX/XX/XXXX. I called XX/XX/XXXX and asked that they stop reporting negative and balance owed. They said to just dispute it and they would correct it. I have disputed 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are still reporting delinquent and a balance owed. 

In the mean time me and the other parent signed to have payments stopped in XX/XX/XXXX. I was told 3 months max would correct everything. I called in XXXX to see what was going on and was told at that time that aa lawyer didn't like the agreement a denied it back in XX/XX/XXXX. I sent a complaint and was told they would push it through. 
I called XX/XX/XXXX and was told that a judge signed the agreement on XX/XX/XXXX and they were awaiting the documents from the district clerk. I called XX/XX/XXXX and now they're saying they don't have a record of a judge signing anything.
Consumer complaint received 2021-07-16
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.

2. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-06-06
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. (NC)

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. The agency have failed to conduct a reasonable investigation and now I'm requesting from them all information they have affirm to have firsthand knowledge of this account reporting with 100 % accuracy.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TN)

Radius has re aged a debt illegally. This electric bill was from a time 3 years ago, when the XXXX mortgage company took back my house in a deed in lieu of foreclosure. The consumers energy electric company said it was my bill. XXXX assumed responsibility of the bill when taking the house back. 
This was XX/XX/XXXX. That was the end of it I thought. I checked my credit report and see this debt as current in XX/XX/XXXX.
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

The US dept. of education lender Nelnet, incorrectly handled my loan and then claimed I was in Delinquency of payments.

I placed my loan in forbidden due to financial difficulties in 2019, and at some point Nelnet lifted this forbidden without my knowledge and with no notifications. I was unaware that payments were due and received no notifications at any time until I received delinquency notices by mail. They marked 16 separate loan accounts as delinquent even though I only have XXXX XXXX  account with them. I then payed the amounts owed and requested the forbiddency again as well asked for the credit delinquency reports to be removed. 
After several letters sent to Nelnet they refused to adjust my credit on the reason of " refusal of goodwill '', Although I was not requesting goodwill I was requesting for them to correct their error. 
Nelnet has erroneously changed my loan status without my knowledge, and placed my account and credit into a delinquency status which still affects my life to this day, leaving me unable to secure home loans and additional credit. Documentation will be attached.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

I had signed up with a debt consolidation company back in XXXX. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company ( XXXX XXXX ). They are no longer in business and one of the owners of the company is in jail. I am trying to get Wells Fargo and XXXX off my credit report.
Consumer complaint received 2022-07-23
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has XXXX 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. ( I never gave XXXX XXXX XXXX permission to furnish any installment accounts on my consumer report. )
Consumer complaint received 2020-07-14
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. (VA)

I have credit inquires on my Equifax credit file from 7 different banks, which include : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and XXXX bank. I don't recognize any of these inquiries.
Consumer complaint received 2022-07-23
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. (CT)

I place a complaint with XXXX and Equifax on XX/XX/2022, explaining that a few of the creditor listed on my account had incorrect information on my credit report. On XXXX XXXX there was, and update add to my account which I feel was done by the credit bureau without contacting the actual creditor. There has been no information sent to me or available to see online. there is no place to request information on how they updated this information. My credit score then took a XXXX negative hit. This account was sold to a debit collection company, but the original creditor is the one reporting the wrong information on the account.