davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCS Financial Services, Inc. (NY)

As I review my credit report, I see there is incomplete and inaccurate information. The errors that I've found : payment history is missing, date of last activity is not recent, date of first delinquency is missing, monthly payment and terms are also missing. Please correct or delete this account from my credit reports.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 


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 2023-01-12
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. (NJ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to XXXX XXXX XXXX ( XXXX ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights. 


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 2022-04-04
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. (FL)

Your company has been performing malpratice and is breaking the law Frivolously. it has been a grossly amount of poor performance in handling my investigation with so much negligence that has caused me finaicial injury and harmed me from being able to obtain any credit or auto loan and several other things. Several Laws have been broken Under The Fair Credit Reproting Act made to protect consumers like myself it has been a nightmare trying to get this matter resolved and my Character hasbeen Deframed slandered and ridiculed I am traumatized with this outcome and it has been extremely overwhelming.
Consumer complaint received 2023-01-12
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX - XXXX - XX/XX/XXXX  - On XXXXXXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days 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 is plainly stated that a failure to investigate these items within 30days gives 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 to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person.
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GB Collects, LLC (NY)

Hello, I received numerous phone calls from this company ( GB Collects ). I asked them to please stop calling me at work. I wasn't sure what they were calling me about because I thought I had paid everything I owed. I then received a letter with my name and the name of an unidentified person. This person ( XXXX XXXX XXXX ) is unknown to me and has never lived at my address. I don't know if they are contacting this person at my address or why my name is even associated with them. I'm also concerned that this person is receiving information with my name associated with it. I consider this a great violation of my privacy. 

As soon as I called them back and inquired about this error, they gave me the phone number of the worker responsible. I called this person and left two messages. Neither was returned.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I reviewed my Consumer Reports and noticed that there was an inaccurate accounts ) on my credit report ACCOUNT NAME : Account info Account name XXXX XXXX XXXX  XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$15.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance - Terms 120 Months have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. they havent resolved or provided any information that I asked for ( debt validation ). Account was paid they agree to remove and didnt. I call them they couldnt provide me with contract. Account information disputed by consumer ( doesnt requirement of the Fair Credit Reporting Act ).
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-01-12
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: SYNCHRONY FINANCIAL (VA)

There was a hard inquiry on my credit report. I called XXXX XXXX NA. They informed me that someone had entered an application for a XXXX card. I told them that I have not applied for any type of card.
Consumer complaint received 2023-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have reached out to XXXXXXXX XXXX  about Wells Fargo to try to save our home. This is a fraudulent foreclosure. Attorney XXXX XXXX was assigned to this case and was disbarred for fraudulent foreclosures. The note is lost and the assignment of the mortgage has been changes several times. Several complaints has been filed with CFPB about this matter and this debt is part of the XXXX dollar fine CFPB has filed against Wells Fargo for fraudulent foreclosures.This is an opportunity for XXXXXXXX XXXX  to save a home for a XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

1st Wells Fargo let my ex transfer XXXX $ from my account making it negative I caught it while it was pending but they did nothing and let her empty my account then they told me to close that account after she stole more money and open a new one so I did Last week I deposited a check the money has been received from the writers bank but Wells Fargo was requested to make those funds available which they havent dont to this point and plan on holding my funds till the XXXX this has caused me to not pay my rent on time causing me more financial hardship after letting my entire account be drained a month of so previous These banks are so quick to take your money for fees and stuff I expect timely access to my earned income they are withholding and I really still want them held accountable for the XXXX stolen from me they did nothing about
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (GA)

Netspend.com has my {$75.00} and wants me to send my photo ID and copy of my SS card in order to activate my XXXX debit card. I generally understand the need to comply with BSA/AML laws XXXX However, they will only accept an email with attachments. This is an unsecured way to transmit confidential data and I am not comfortable doing so. I already have a checking account and debit card with a national bank. I only wanted a pre-paid XXXX XXXXift card. I am XXXX XXXX XXXX and did not fully understand this product and its exhorbitant fees. 

I want my money back from this company. I think that the CFPB should require these companies to use larger font on the packaging and plain language to explain that the product is not a gift card and may require additional documentation to be provided to active the balance on the card. Also, as I now understand this product, with proof of ID, the same may be obtained from a bank at NO cost. 

I would really like my money back from this company. Shame on them for taking advantage of people who are not necessarily financially sophisticated.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

God is Great I am being lied about Im married now And me and My wife has called I had a phone Stolen had Insurance!!! insurance received my money payed at XXXX site and never got a new phone in the mail So I called and they said you didnt have a phone stolen so I said I have a police report and you said the phone was not for sale now took off sells it the top of the line Terbite and XXXX phone with Insurance I payed my Deductible and never got a phone that was sent in the mail Amen and cant get my bank protection that I payed for
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (AR)

On XXXX at XXXX. I recieved a notice from American Express Bluebird prepaid card that I had received my direct deposit from my unemployment benefits. At XXXX XXXX I tried to check my balance on the app and recieved a message saying for security reasons my account had been locked please call the number. When I called the number it gave me an automated message saying my account has been permanently suspended and have been sent an email and then hung up on without any option to speak to a human. In the email it states my account was permanently suspended due to actions that violate the terms of agreement. All of my household funds are on this card and it is devastating.
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney. My money was wired from my Bank of America checking account. The receiving bank is XXXX Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. I know my money is frozen at XXXX Bank, but neither bank will cooperate in returning my money. XXXX is holding my money hostage and Bank of America continues to lie to me every time I call.
Consumer complaint received 2022-08-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

My previous complain the issues was not resolved and you just closed it I did not get an answer! No one is answering my questions Can a successor in interest modify a mortgage loan? 
Now, if you are a successor in interest on a home, you are now entitled to make a Request for Information about the loan ; dispute the lender 's accounting ; and participate in loan modifications, just as if you'd been the original borrower. 
XXXX XXXX XXXXXXXX Mortgage Servicing Rights Now Extend to Successors Not On The... 

The law changed in XX/XX/2018 we are suppose to be treated like the original owner! It was changed by RESPA please I need an answer why I still need XXXX my ex to sign a liability form when he signed all rights to me and he is no longer on the deed! He has moved on like he said
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I do not agree with my banks solution about my claim, the case number is XXXX, they want to close the case saying that I authorized the two transactions, but I never did such thing, I even called them telling them to not authorize those transactions because they were not made by me. I feel like my rights with the bank are not being taken into consideration and I need this claim to be resolved and get my money back.
Consumer complaint received 2022-08-28
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. (IN)

I contacted Equifax Credit Bureau about unauthorized on my credit report and to have them removed. I was told that it was nothing they could do without additional info. I have know accounts related to these inquiries and would like them removed immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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: AMERICAN EXPRESS COMPANY (TX)

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - AMEX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.