davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

My mortgage lender tried to pull all three credit reports, but Equifax was the only one they had problems with. They were unable to pull a report from Equifax. I attempted to call Equifax multiple times to speak to multiple different agents, all of them not only were difficult to understand but also were unable to provide any useful information about my account to me even after answering name, social security number, address, date of birth, loan histories, credit card accounts about myself. Their only proposal was for me to physically mail in personal identifying documents, quoting that it would take up to 2-3 weeks to finalize my identity and provide any useful information and a copy of my credit report. This is an unacceptable time frame for resolving any problems in the 21st century, and I may not be able to purchase our home because of this.
Consumer complaint received 2022-10-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

Creditors Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) On their first collection notice, they are required to allow dispute of the debt, but the listed dispute website is non-functional. 
2 ) They indicate as required that the debt can be disputed by calling them, but there is no specific number to call to make the dispute. Their general number only allows automatic payments, no dispute process.

3 ) The Mail-in form does not have place to indicate why the debt is in dispute.

4 ) The Company is attempting to collect medical debt where the provider has yet to correct the original procedure code error that would discharge fee/bill to {$0.00}.
Consumer complaint received 2022-10-13
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 (MO)

LexisNexis has furnished my public information to consumer reporting agencies without my written permission. It violates consumer law under 15 U.S. Code 1681b - Permissible purposes of consumer reports in addition to violating my right to privacy. They are not only liable for a civil liability but, also damages I have sustained due to their negligence. Courts do not furnish public information to Consumer Agencies
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MO)

I use PayPal for several online purchases, specifically their app. I had to change one of my account numbers ( due to unrelated fraud on the account ). To keep this clearer : I had a XXXX card as my preferred charging option. New XXXX card was added the same day I got the new card. I set it as the preferred option again. I received no warnings that any subscriptions would need to be reviewed. I did not update or change anything for any of the other accounts. Today I log into my XXXX checking account and see my balance is considerably lower than I thought it should be and see that I have a PayPal transaction charged to it, which should have never happened. I did not authorize that. I immediately log into PayPal and see that not only did that transaction post but I have a second one that shows it has gone thru today as well. That will put my account negative and at this point, Im frustrated. I use my credit card for these purchases, not my checking account, because I keep the balance low intentionally and this is not what I authorized or signed up for. When I reached out to PayPal : their answer was to tell me they cant change was has posted. Never did they address my repeated complaint that the transactions were not authorized from that payment account. Their app should have had a warning or a prompt like youve changed your preferred payment : do you want to check your subscriptions too?
Consumer complaint received 2022-10-13
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. (MI)

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, Equifax and XXXX would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CT)

Citibank closed my bank account on XX/XX/XXXX. I opened an account with them on XX/XX/XXXX. The deposit was from a lawsuit settlement. I went into the bank and received a cashiers check then soon after I tried to purchase car insurance and my card kept declining. I called the bank they told my they had terminated their relationship with me with no reason to explain. They said they funds that were in my account were blocked and I am unable to access them for 30-60 days. Ive been calling and reaching out and no one has been giving me updates. My account has well over XXXX in it as I said from a lawsuit settlement. The bank illegally closed my account with no reason.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX  XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name SXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-13
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)

Id theft victim These accounts are not mine XXXX XXXX  balance {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX balance {$620.00} acc number XXXX ( i have my own card ) XXXX ( authorized user ) Not my account XXXX XXXX balance {$3800.00} ( i Have never paid late ) XXXX XXXX Never paid late DEPT OF EDXXXX XXXX This is in deferment till 2024 Never paid late DEPT OF EDXXXX {$37000.00} this account is in deferment till XXXX never paid late
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 HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ITEMS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-04-18
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. (MA)

Equifax - XXXX XX/XX/2022, I disputed a fake name and place of employment on my credit report. The dispute was resolved by Equifax in less than three hours. The Employment was corrected but the name was not. Equifax informed me that they contacted the company and asked them to investigate. My last name is XXXX, and Equifax has reported my name as 'also known as XXXX XXXX On XX/XX/2022 I mailed them a letter requesting the name and address of the company reporting my using that name. They received that letter on XX/XX/2022. I did not hear from them, so on XX/XX/2022 I wrote a second letter requesting again that information. By not contacting me with that information, they are refusing to give me that information. I can't dispute it again because they refuse to let me. I can not send any documentation because I don't have anything that says I used or did not use that name. They are refusing to allow me access to the information so that I can not go any further.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

This company keeps putting this item on my credit report. I have health insurance and its up to the hospitals to bill insurance. The insurance companies have contracted amounts that they pay the hospitals. I never received a bill from the hospital or a right to dispute letter from this company.
Consumer complaint received 2022-10-05
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. (KY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15usc1681 section 602, states I have the rights to privacy. 15usc1681 section 604a section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 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 2022-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

My problem resides with Equifax Information Services LLC and XXXX XXXX. The problem is I have sent valid data such as the copy of the Social Security Card and the official residence address. Because Equifax is stalling or not providing accurate information, I have to presume that my data is being compromised. All of the answers are deflected and just refer to Customer Care. Also, given that I have sent in valid data, Equifax should have been able to verify the data and unlock the account. Surprisingly, an agent within Equifax was capable of verifying the data over the telephone and the agent could not figure out why the account is locked. Besides, the manner in which this issue is being handled, has me concerned of my personal data. I am hoping that some agency can oversee the issue. 

XXXX XXXX stated because I am located overseas or out of the country, I do not have access to myEquifax. Surprisingly, there are many US citizens that reside overseas and Equifax would block access to all US citizens that reside overseas. Also, Equifax would be the only website that would block US citizens from accessing their data. This is why I am and maybe others are concerned of what Equifax is performing to personal data and the reason for this complaint and concern.
Consumer complaint received 2022-07-12
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items or information which are 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/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX BANK XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance {$1100.00}
Consumer complaint received 2022-06-24
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: ID Analytics, Inc. (GA)

On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX. XXXX and SageStream were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX  until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated all my rights.

15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MD)

My Belk credit card which I have used in frequently over the years now has a balance of {$1600.00} I opted for paperless billing I also opted for auto pay each month. When I call the company to find out why my bill was {$1600.00} I was told I needed to be transferred to another department or call another number that belong to a company called Card Services. I contacted someone at that number and spoke to a person that told me I was being billed every month for a service that I did not know about nor did I agree to apparently this occurred in XXXX. When I explained the situation to the representative and told her I was not aware of this service and did not agree to it she was able to extend a credit to my account of {$300.00}. When I told her there was no way I was going to pay for something I was not aware of according to the company that was billing me on my bill credit card this service included some sort of reimbursement if you should become unemployed. I became unemployed in XXXX if I was aware of this service I certainly would have looked into it and possibly used it. The representative I spoke to told me that was the highest amount she was allowed to credit me in order for me to get reimbursed for the other charges my keys would have to be escalated and sent to an escalation team. I was informed that someone would be in touch with me within seven days which did not happen. I also informed the representative that the charges needed to stop in mediately This was in XX/XX/XXXX I have called several times every month trying to speak to someone and was promised someone will get back to me. I am a senior citizen living on a fixed income at this time I can not pay these charges that I did not know about nor did I ask for I dont know how to proceed at this point. I am requesting guidance or suggestions on how to proceed to resolve this this will ruin my credit because I can not continue to pay. 
I have never spoken to anyone at Card Services regarding this supposed benefit.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I got a letter in the mail from WellsFargo in XX/XX/XXXX stating that my mortgage payment was going to go up because my account was short {$2200.00} they said that it was due to my taxes and insurance going up which didn't make any sense. I Immediately started talking to them, to XXXX Insurance company for doubling my insurance premium without consent AND to the XXXX XXXX County assessor 's office so I thought this issue was resolved as of XX/XX/XXXX. The assessor stated that my taxes would increase annually at a rate of 2 % which in this year translated to {$19.00} and the insurance situation with XXXX was resolved by cancelling their services and going with another provider. In XXXX I got another statement from WellsFargo stating that my escrow account was short {$730.00} and yet another statement dated XX/XX/XXXX stating that my payment had gone from {$760.00} from previous years to {$1900.00} due in the month of XXXX WHICH I CAN NOT AFFORD!!!!! AND THIS IS A FIXED LOAN!!! I tried on XX/XX/XXXX to fix the problem again and they told me that I had to call the 1st insurance provider ( XXXX ) to get a refund because they had paid my new insurance company and the old insurance company which created the deficiency!!!! I NEED ASSISTANCE WITH THIS MATTER IN INVESTIGATING WHY THEIR ESCROW DEPARTMENT IS DOING THIS. I had cancelled the initial premium with the insurance department in their institution and with XXXX in XXXX WHY WOULD THEY turn around and pay them!!! I HAVE OWNED THIS HOME SINCE XXXX AND HAD NEVER HAD A PROBLEM LIKE THIS UNTIL WELLSFARGO TOOK OVER.
Consumer complaint received 2019-07-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Ive sent XXXX $ to the wrong person this is my first time using money gram didnt realize it until it was sent. ( MoneyGram.com ) I have the information here : Receiver : XXXX XXXX Receiver country : XXXX Send amount : XXXX SD Receive amount : XXXX JMD Exchange rate : XXXX USD : XXXX Id like my money back and if this is the second time Im reporting this complaint. If anything my number isXXXX and email is XXXX thank you.