davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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)

On several occasions I have filed a dispute with Equifax. I am afraid this company is too large to actually do a thorough and fair investigation. Credit reporting bureaus like Equifax claim they are here to help consumers with their credit reports by offering various services, while the company has proven to exploit our information to hackers and do lack luster investigations that seem biased in favor of the debt collector. 

I have filed a claim with Equifax over an auto loan with XXXX from XXXX. The problem with this auto loan is that I got behind on my payments due to multiple set backs. The first set back in which XXXX XXXX was fully aware of was be being wrongly terminated and actively engaged in a discrimination lawsuit against a previous employer. 

Then Hurricane Harvey hit XXXX, Texas in XXXX affecting my residence and vehicle. FEMA inspector determined my vehicle to have damage, and scheduled an appointment with a mechanic to estimate repair costs. Although I made XXXX aware of this, they still chose to reposess the vehicle before the 90 period that they claimed we had before a vehicle was reposessed. What type of company would prey on a Natural Disaster Victim and Discrimination Victim. 

XXXX  removed XXXX from my credit report after their investigation. But after 3 attempts to dispute it on Equifax they have yet to remove it and refuse to acknowledge XXXX  investigation making their investigation negligent. 

Equifax caused all my data to be breached after i trusted their services, and yet they cant even give me an honest removal of XXXX from my credit report. I am eventually going to seek legal guidance if this isnt resolved. This crooked scam system they have going needs to be thoroughly investigated.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I have banked with Wells Fargo for over 15 years and have multiple accounts with them ( personal checking, personal savings, credit card, business checking ). I walked into 3 different branches today and neither of them would open an account for me. The first location ( XXXX XXXX XXXX XXXX, XXXX, CA ) said their business banker called in and they cant help me. Nobody inside that branch was able to open a bank account for me. Then I went to the second branch ( XXXX XXXX XXXX XXXX, XXXX, CA ) and after waiting in line for 30 minutes the bank teller said they don't have any bankers available for hours that would be able to open an account for me. Then I tried a 3rd branch ( XXXX XXXX XXXX XXXX, XXXX, CA ). Not one customer was inside the branch. There was 2 tellers and 2 bankers at desks. The teller tried her best to get me setup with a banker but she said he had appointments all day and its best to make an appointment. So I went online to Wells Fargo to make an appointment for one of the 3 branches I went to, and the soonest appointments as of today XX/XX/XXXX to open a bank account is XX/XX/XXXX, XXXX, and XX/XX/XXXX. I am an existing personal and business customer of Wells Fargo for over 15 years, and 3 branches turned me down to open up another account, and when I called the 800 number to make an appointment with a banker at a branch to open an account, 10 days was the soonest. Wells Fargo has gone way down hill since my family started banking with them 70+ years ago.
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Io, Inc. (NJ)

1. Company has not provided any factual information about this account. 
2. Company has not produced a contract between me and the collector that they are legaly entitled pursuent of this debt. 
3. Collector is in violation of numerous consumer rights 4. Collector communicated to me without my consent Debt Validation request was sent on XX/XX/XXXX and was explicitly said i will pay the debt if it is factual and accuracy this information was not produced from them and they went ahead and violated my right to privacy as per stated under United states consumer code 15 U.S.C 1681 Section ( A ) They went ahead without my written instruction and Furnished my credit file As of XX/XX/XXXX They have violated my rights and have damaged my credit of a debt that is not owed to them to this date. 

Factual information is attached.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

I received an email from the Tennessee Department Of Labor And Workforce Development today. The email stated that my payment of $ $ $ $ was issued on XX/XX/2020 .The payment was returned because of no account or Unable to locate. Then it stated that the amount would be reissued to the debit card that was previously issued to me. ( I have never signed up for or received a Card! ) it then stated that if I no longer have the card or it has expired to contact Way2Go Card Debit MasterCard @ XXXX for a replacement. So I called the number and waited 1 1/2 hours to talk to a Live Person. The lady took my SS # and D.O.B and said that nothing came up for me! She said that she couldn't find anything about me. I tried to give her other information and she said that they only go by SS # '' s and or D.O.B. She said that because nothing showed up for me there was nothing she could do for me. I told her that it said that my money was going to be on a card that I don't even have. I'm relying on this money to live right now. I have been out of work for almost a month and no money! She didn't offer to issue me a card or transfer me to someone else. I'm really frustrated!! I want and need this money. Please Help Me Thanks,
Consumer complaint received 2022-07-15
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. (NJ)

This complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there is still an account that is reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the account : XXXX XXXX
Consumer complaint received 2022-07-15
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. (TX)

I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XX/XX/2022
Consumer complaint received 2022-09-22
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. (MI)

I have made many cfpb complaints concerning Experian reporting of my name! My name is hyphenated and someone is intentionally manipulating info from tax documents to 1098. It seems again someone is changing my information on documents and possibly loans that were mine in order to attach loans that are not mine in the name of XXXX. I recommend you document this- it might get closed/ deleted and attachments deleted like the pertinent complaints that after 3 months of being on file was deleted. Other things occurring in my XXXX XXXX car.. Items are being stolen from my possession of w2s old tax documents etcold jobs - evidence of fake and real -its crazy that people are allowed to do this! XXXX once said all accounts were submitting XXXX but that wasnt true at the time- I am concerned that someone has taken loans out in name of XXXX XXXX 100 % verified my loans are in my hyphenated name! Why would they ( those behind changing my name in other places ) go through this to prove a point thats false - because it is a way of doing business and more people will suffer until this is exposed! I cant even risk saying what I want about why XXXX continues to report my name wrong then right, then Im blocked- then report it wrong again! Follow up doesnt happen /! its like a scam is going on in dept of Ed/servicers and XXXX. Loans were removed and put back on -! I believe they redid the loans I did take out and went through my accounts, schools, changing things to XXXX - Whats happening is illegal- so many are acting as if the are above the law! XXXX was compromised and used to change XXXX info - I didnt do some of these and it seems disputes were reopened and activity kept happening with out me involved- so much control and I would love to be able to have a fair chance to defend my name instead - someone is determining and changing my name without legal presidence? 
in XX/XX/2022 it seems Equifax added accounts XXXX XXXX back on that were already on.. there are so many things that lead me to believe what Im saying- mainly changes and theft of documents finding two of same thing in diff names!
Consumer complaint received 2022-07-15
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)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (PA)

Transworld system XXXX has accessed my credit report without proper notice and or cause. I have never done business with them and have asked for validation, verification and signed contracts none of which has been provided to date. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MI)

On XX/XX/XXXX I went to the XXXX XXXX to address a medical problem. When I received a bill for XXXX dollars it was paid in full in XX/XX/XXXX. This bill was paid in full on. XXXX XXXX. Despite the paid in full bill I began receiving phone calls and collection letters from this company. I tried several times via phone calls to resolve this matter. I told them the date this account was paid. To no avail. Finally, I sent a return receipt letter to the company with a copy of the cashed check. I also told them not to contact me regarding this paid bill. The company received the letter and the copy of the canceled check on XX/XX/XXXX. XXXX XXXX continued to contact me. They also referred me to a collection agency. TSI. This is sloppy business practice. It is dangerous customer service. This company has ignored the evidence that this bill has been paid. 

Account number XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Here is the list of erroneous account found in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (PA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-15
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. (MD)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX : XXXX XXXX  XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, 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. (WI)

I recently requested my free annual credit report from Experian using the mail-in form provided at XXXX. Instead of sending me my report, Experian sent a letter ( dated XX/XX/19 ) requesting additional information be sent to them ( photocopies of government issued ID, bill/statement, etc. ). However, there was no information in the letter on where to send this information or how the letter should be addressed. Nor was there a phone number to call to request more information. As the letter specifically said this information was to be sent to them ( Experian ), they should provide this information. Attempts to find this information at their website was fruitless. 

Considering this company makes money gathering and selling information about me without my consent, I should not have to jump through hoops to get these legally mandated reports. If they need additional information before providing this report, it is on them to provide clear instructions on how and where this information is to be sent. 
By making this process harder, more ambiguous and time consuming than it needs to be they do not appear to be honoring the spirit of the law requiring these reports be provided. I should not be expected to guess where to send sensitive documentation.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (CA)

I am writing you because I leased my car with US Bank on XXXX. The price of the car when I leased it at the dealership was {$52000.00}. Unfortunately, I was hit by another vehicle on XX/XX/22 and my car is totaled. 
My car insurance informed me they would award me {$62000.00} for the claim. I contacted US Bank on XXXX XX/XX/XXXX and asked them how much it was to buy the car and they said {$44000.00}. The loss department sent my insurance a letter of guarantee saying they will require the entire amount that my insurance is providing which is {$62000.00}. I found that very odd since the price of the car when I bought it was less and I have made 17 payments of {$790.00} which comes to a total of {$13000.00}. 
When I called the loss department, conveniently enough, they don't speak to the customer but only directly to the insurance. I realized that is just so that the company can ask for the entire amount of the money being provided by the insurance. I asked my insurance to request a break down of how they got to the number and they said they don't provide that information either. VERY CONVENIENT AGAIN! 
I made my insurance stop the payment because this is outrageous. A lawyer recommended I buy the car for the {$44000.00} and then the insurance would have to send me the check directly to me. However, when I called the company they said that they don't own the car even though I have explained to them that they do since the payment was stopped and that I want to buy it. So, what they did is transfer me all day and then they say I must speak with the loss department, but the loss department won't talk to me, only to my insurance. 
This car leasing company is pocketing {$18000.00} from my insurance claim that does't belong to them.
Consumer complaint received 2022-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

The following debts reporting on my Equifax credit report is not valid. I have health insurance and my provider could not locate a claim for the following accounts. I was previously a victim of identity thief, and I am assuming this account was a part of someone using my identity. I have insurance through XXXX XXXX XXXX and has for the last 7 years and any medical bills would have been through them. Please delete the following accounts as they were not opened by me, nor did I receive service from the company. 
XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX
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: Santander Consumer USA Holdings Inc. (LA)

My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called Santander and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and Santander report late payment for XXXX for {$62.00}. I never receive any statement from Santanter stated I owe {$62.00}.