davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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)

I have disputed with XXXX regarding authorized and fraudulent accounts activity, hard inquiries ony transunion report for the last 11 months with no success or resolution. XXXX refuses to delete incorrect information and accounts, inquiries that are not mine and also refuses to provide me with proof confirmed report after completing thier due diligence. I XXXX has repeatedly been asked to correct information on my credit report, such derogatories places a even gardree burden and we are desperately trying to recover from the pandemic. 
In the 11 months there has been 21 hard inquiries places on transunion report and despite the orher credit agencies Removing in accurate information transunion has yet to perform new diligence and and take the necessary steps that is needed to correct this ever
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-10-18
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

Text message received on XX/XX/22 stating fraudulent activity. Reply yes or no if authorized transition. My husband responded no and we immediately contacted Wells Fargo Bank as we were on the phone with the bank we received a call from fraud department. We asked the Wells Fargo rep if we should answer the call and verified the number with her she replied yes. It was a scammer pretending to be from the financial institutions fraud department. The callers number was being spoofed. The scammer told us we need to verify our identity, the scammer asked for the online banking username and told us to read back a passcode sent via email. He then instructed us we need to send our current balances to our selfs through XXXX in order to set up new accounts. As soon as the translation was complete the scammer hung up. XXXX dollars was sent. We immediately called Wells Fargo back and spent over XXXX hour filling a claim and changing account username and password. Rep reported that the transition was pending and has not went through yet. Was charged overdraft fees. Called multiple times to find out the claim was denied due to no error and rep reported the claim was filled incorrectly and not has a fraud claim. New claim and escalated complaint filed on XX/XX/22. Account was locked on XXXX/XXXX/XXXX, had to call customer service to unlock account. Never received call back on complaint. On XX/XX/22 second claim denied. Went directly to bank and spoke with banker and manger. She filled another claim on XX/XX/22 and was going to contact XXXX XXXX XXXX. Printed out passcodes documents and given to bank on XX/XX/22. Police report filed XX/XX/22. Received call XX/XX/22 from customer service on new claim needing more info. As of today XX/XX/22 no follow up received.
Consumer complaint received 2022-03-16
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. (TN)

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX account XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. There is also clear evidence of re-aging on this report. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The XXXX XXXX account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An invalid, incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 

3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Consumer complaint received 2022-04-23
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. (LA)

In accordance with the Fair Credit Reporting Act, the following companies with corresponding account numbers ; XXXX XXXX XXXX, # XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX, have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-16
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. (TN)

We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.
Consumer complaint received 2022-03-08
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. (DE)

On XX/XX/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 37 days and I haven't received any responses from them. This is affecting my ability to get a job and an apartment to support my family
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FISERV INC. (DC)

Last week I stopped to buy a few food items at my XXXX XXXX in my neighborhood. I wrote a check to cover my items and included a cash back amount. 

Funds were in my account. However the cashier and her manager showed me the print out from Telecheck stating that my check was declined. 

For forty minutes I was embarrassed trying to rectify that I do not bounce checks. Everyone could see and hear me upset. 

I called my local bank but it was shortly after XXXX. I thought that someone could confirm that my funds were available. But the manager said that they could only take Telecheck XXXX confirmation and they could not override the denial. 

The manager asked me to write a second check for a lesser amount of cash back which I did. Again, Telecheck rejected the second check! The XXXX manager apologized and suggested I call Telecheck. 

Again, forty minutes is a long time to see strangers staring at you when you are trying to purchase just a few items-something from the hot bar for dinner, some coleslaw and water. It took over 15 minutes to get through a repeating, convoluted automated menu to get a live person on the phone. 

The Telecheck customer service representative denied that Telecheck was at fault and asked me to have the vendor resubmit my check. I told this person I could see the receipt and the message citing the Telecheck denial! 

A friend I had just been with for two doctor appointments was waiting this entire time in the car- I had no idea that I would be subjected to this type of treatment! 

And the company blamed the vendor! even as I saw the print out on both of the XXXX receipts! I have both of my rejected checks and one of the receipts. 

The manager explained she needed the first receipt to void out the transaction. I left embarrassed, angry and upset without my dinner and no water. Later I went to a private smaller local grocery store to get some water. 

The manager wished me good luck after she told me that she herself had suffered a false accusation by Telecheck that caused her serious problems. 

At that point I told her that I would be filing a formal complaint against Telecheck. I do not bounce checks. This denial was completely humiliating for me. Disgusting company that should not be allowed to soil peoples reputations and then lie about their behavior.
Consumer complaint received 2020-10-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NY)

Company refused to acknowledge or accept their charging fees and on top of that interest rates piling one on another every month. No charge was made on the XXXX XXXX CITI account only the one that CITI decided when they wanted to install a fee.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (CA)

Account # : XXXX Account # : XXXX These accounts have been determined that they do not belong to me yet you still continue to report this inaccurate information to my consumer report.These accounts do not belong to me. The name these accounts are addressed to is not my name. This fact alone is enough for above mentioned accounts to be deleted, but they are more inaccuracies found. I called XXXX rep, and asked for fraud department. After being transferred, I was told I have to send in a picture ID and bill even though rep located both mentioned items in their agency 's database. I was told I have to resend my ID and bill no matter what. XXXX has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer. On XX/XX/2022 I sent a notice via USPS certified mail demanding deletions of above mentioned accounts. Enclosed is a copy of my California state issued ID, and a copy of a bill statement to establish my accurate residency. Also enclosed is my consumer reports where I point out that the fact that XXXX is furnishing inaccurate information from debtor name CHILD SUPPORT ENFORCEM to my consumer report under Account # : XXXX. While the debtors name XXXX XXXX is furnishing to my consumer report is under XXXX XXXX ( Account # : XXXX ). XXXX recently deleted the account named under XXXX XXXX XXXX., Account # : XXXX. 
XXXX XXXX refuses to update my personal information even after providing them my California state issued ID and a bill statement containing my up to date address. 

XXXX is unlawfully furnishing Account # : XXXX DEPT OF ED/NELNET, and is the only CRA reporting this inaccurate informationXXXX and XXXX has XXXX DEPT OF ED/NELNET item from my consumer report. XXXX has been made aware many times in writing by me, a consumer, about the FCRA laws they are violating and the agency chooses to ignore the law. See attachments. 
These accounts are not assigned to my name making my consumer report inaccurate. If by some chance this alleged debt belongs to me, which I highly doubt it!!, NELNET has never produced items pursuant to 15 USC 1692g ( b ), which I requested multiple times. 

I am making complaints with the CFPB, FTC, XXXX, CA and PA state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Consumer complaint received 2022-03-08
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. (UT)

My wife and I are having the same problems with Equifax Information Services, LLC and their violations of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services, LLC 1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. These are just stall tactics. I and my family are being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

XXXX XXXX XXXX XXXX company performed a XXXX XXXX XXXX service for us between XX/XX/XXXX in connection with a home and office move. They sent a single invoice via email on Sunday XX/XX/XXXX. Shortly after the service was performed we moved. XXXX  never sent another email, letter or other communication about the invoice or payment. The next communication we received was on approximately XX/XX/XXXX from A.R.M. Solutions, on behalf of XXXX a debt collection service saying that the bill was overdue and in collections. I immediately calledXX/XX/XXXXto advise them that I was not even aware that the invoice had not been paid as we never receive any followup communication. I paid the invoice immediately via credit card. XXXX responded via email with a confirmation that the payment had been made. They also indicated that A.R.M. Solutions would be notified. The next communication was on approximately XX/XX/XXXX from A.R.M. saying the invoice was outstanding. I notified A.R.M. that it had been paid and demanded an end to the unjustified collection attempts. I also notified XXXX  The next communication from A.R.M. was on approximately XX/XX/XXXX making the same false and damaging claim. I called both XXXX and A.R.M. again with the same demand to cease the unjustified collection attempts. With XXXX  I spoke to a billing supervisor who said she has emailed her counterpart at A.R.M. to advise the invoice had been paid and was going to be sent the confirmation letter issued back on XXXX, XXXX, XXXX. I received yet another letter from A.R.M. dated XX/XX/XXXX making the same false and damaging statement that the invoice was still outstanding. These communications are harassing, disturbing and damaging to my business and reputation.
Consumer complaint received 2022-03-08
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. (PA)

XXXX XXXX XXXX XXXX is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( equifax and XXXX ). This is a violation of FCRA and if XXXX XXXX XXXX violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Consumer complaint received 2022-03-08
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. (NC)

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax
Consumer complaint received 2022-03-08
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: CITIBANK, N.A. (TX)

At approximately XXXX on XX/XX/2022 i received an email from Citi Bank saying they have received my application for a credit card which I did not apply for. I have reported it to their fraud dept.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

Discover Credit card account has remained 'suspended ' after paying the balance early through a payment plan recommended by Discover. 
The XXXX credit limit has not been accessible, even during COVID-19 pandemic when most needed. Discover has continued the suspension of my account. Their excuse for doing this is : my " credit history with other issuers ''. -Disregarding the fact that I do not owe Discover, the account is open and inaccessible. 
This account has been open since XX/XX/XXXX, starting with a XXXX credit limit, Discover reduced the limit to XXXX immediately when the balance owed was XXXX. Said amount was remitted to bring the balance back to XXXX in XXXX of XX/XX/XXXX. The original XXXX credit limit was never restored.
Consumer complaint received 2019-03-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: GFS II, LLC (MI)

The vehicle I purchased under duress of financial hardships that could result while not having transportation to support my family including my, at the time, 2 year old son and my lady also with child at the time of purchase. After driving the vehicle I noticed the check engine light on which again because of my situation was overlooked because of the situational hardship and the need to aquire a vehicle to continue being a provider. Upon further inspection of the vehicle after the somewhat calm I experienced after knowing I had a vehicle again after signing loan documentation things became worse. Being an at XXXX  XXXX, a XXXX XXXX XXXX manager for XXXX XXXX XXXX, having personal shop experience, and coming from a family background of car repair and enthusiast individuals, I dug deeper to find that the soundness of the vehicle with which so much was at stake as the vehicle was used in transporting my pregnant lady to and from appointments and young son was not good. After my initial evaluation that was discussed over the phone with Gateway Financial 's representatives it was concluded that there were multiple suspension issues including inner and outter the rod end that reached the end of there life span, bad CV axles, bent rims, check engine diagnostics ran representing codes explaining that the intake and exhaust valve actuators weren't performing correctly or bad as a result of timing advancing because of the wear of the timing chain or set resulting in its advancement and the final result of which I was unable to continue payments was the fuel pump quitting completely leaving my pregnant lady and son stranded 30 minutes from our home.