davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

I have reached out to Wells Fargo requesting a letter for our lender saying our CC 's have been paid off. They refused to send it to anyone else rather than my lender allowing me access to my information.
Consumer complaint received 2020-07-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I took a loan out for XXXX in 2010. My loan has more then doubled in 10 years. It has been hard for me to make payments when every month it keeps going up higher. I feel like I ha e been taken advantage of.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. XXXX XXXX has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my Equifax credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of  attachment titled " XXXX '' ) I am requesting that the account is deleted immediately
Consumer complaint received 2020-07-20
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. (GA)

XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, XXXX XXXX has added 3 additional months on my credit file.
Consumer complaint received 2020-07-20
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

I paid off my loan using a cashier 's check, i took time from work and paid money for a cashier 's check and mailed it express which also costs money because when i talked to them and asked about the fastest way to get the title release to sell the car they told me this is the way. They say they will process and release the title when they receive the check and that takes UP TO 4 DAYS. They received my mail on XXXX and processed it on XXXX ( as shown on my dashboard ), i talked to them every day and every day they would say it hasn't been 4 days, after the 4 days they started the excuse with the COVID. They released my title on XX/XX/17, that's 10 working days, that's 2 full weeks, how is that acceptable? Why is that ok? I did my part and paid my load and they don't want to do their job. I lost the seller that i had because of them.
Consumer complaint received 2020-07-20
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)

I was very upset when checked credit report and found out a few negative accounts. They are fraud and I never opened them before. Please see accounts belong and remove them as soon as you can. 
XXXX XXXX opened XX/XX/XXXX acc # XXXX XXXX  XXXX opened XX/XX/XXXX Acc #  XXXX XXXX opened XX/XX/XXXX Acc # XXXX I attached all documents what you need included Identity Theft report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (AL)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/2020 I used PayPal to pay {$130.00} for XXXX XXXX feet wide Patio umbrellas. I received an item worth less than XXXX us dollar, eye glass cleaner by XXXX XXXX. I contacted the company XXXX XXXX, got no response. I contacted PayPal to dispute the charges as outlined in their buyers protection. PayPal has given me the run around on this issue. I included to PayPal the original invoice that shows I ordered large outdoor Patio Umbrellas, I included pictures of item received, XXXX XXXX. PayPal sent me another email on XX/XX/2020 that they needed more information, When I logged onto my PayPal account it said I needed to respond with more documentations by XX/XX/2020! .. It just seems I am getting the run around with PayPal now. I gave PayPal all the documents again and included the new report to the FBI online scam complaint also. This will be my 3rd time I have bought items online and used PayPal as the money service that it was part of a scam. So far in each of these times it seems PayPal 's buyers protection did not work in my favor or helped me. It just seems PayPal protection is just words.
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc. (OK)

Received another letter from SIMM Associates, Inc dated XX/XX/XXXX stating that I owed a balance of {$3400.00} on my XXXX account. I do NOT have a XXXX account. I have received previous letters in XXXX and contacted XXXX to report and they also confirmed there was no account under my SS #. I have received no other written/verbal/email communication about this supposed debt.
Consumer complaint received 2020-07-19
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: EQUIFAX, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. ()

With Respect, I am XXXX XXXX from XXXX XXXX. Today I have received my credit score report from Equifax. But as per credit score score report my total outstanding amount Rs. XXXX But as per my credit card statement it show Rs. XXXX You can see on attached file. 
As per practice of credit bureau they does not update individual credit score on monthly basis. 
Request you to take action on it.
Consumer complaint received 2020-07-19
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: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-07-20
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2020-07-20
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. (MO)

My identity has been compromised from the lost of my wallet. I've also been a victim of the Equifax breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX {$450.00} 3 ) XXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX  {$780.00} 6 ) XXXX  XXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXX XXXX$780.00} 10 ) XXXX XXXX XXXXXXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXX and XXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX  {$180.00} 14 ) XXXX XXXX  {$560.00}
Consumer complaint received 2020-07-19
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. (MI)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2020-07-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc. (TX)

I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATON TO OBTAIN MEDICAL SERVICES FROM A COMPANY CALLED XXXX  XXXX. I HAVE PROVIDED A POLICE REPORT AND ID THEFT REPORT.
Consumer complaint received 2020-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

I opened a Citi accelerated account around mid-XXXX. I used the promotional link that states : 'Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. Both checking & savings accounts need a non XXXX  balance. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days ' Deposited XXXX on XX/XX/XXXX, maintained the balance for more than 5 months, and did not see the reward bonus coming. Contacted Citi customer service for at least three times, asked me to wait as it takes the bonus {$400.00} up to three months after 60 days to be credited into my account. Now three months passed and it is not in my account yet.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (FL)

XXXX Bill that was previously disputed and removed from my credit report has appeared on my credit report again however I was never notified by the new collection agency, Enhanced Recovery Collections, and they have already placed this on my credit report. I am buying a home in 30 days and this account has already been proven as invalid. I never received any communication from them about this debt. The prior agency notified me through the USPS about the debt which is how I was even aware of the debt to begin with.
Consumer complaint received 2019-10-02
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)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-10-02
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. (NC)

I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. 

In XXXX of XXXX, I sent a payment to XXXX for the minimum amount required. Accordingly, I mailed this to XXXX before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked XXXX Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. This acknowledgement included proof that the late payment was waived. XXXX complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the XXXX Customer Service Department to discuss the possible oversight. I asked about the minimum payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with stated, " there is no set amount for the minimum payment each month. '' I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. 

I disputed the trade line via Equifax 's online portal. However after 30 days, received notification that the amount shown was corrected but the trade line didn't show the correct monthly payment or balance. 

I would like to have the monthly billing statement updated showing the correct amount due per month.
Consumer complaint received 2019-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019XXXX30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX has wrongfully verified information with the bureaus, multiple times stating that there reporting meets FCRA requirement. Ive received serval collection notices from a company named XXXX stating they that own the debt. As you see, on my report it does not state the account has been sold/ transferred and the balances are also inconsistent. Experian has also told me that they refuse to re-investigate this matter unless I attach documents supporting my claim.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report at the end of XXXX that showed that XXXX shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX XXXX  on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. 
had waited for 30 or more than 30 days No outcome received. 
all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. 

My questions is different, their answer is different. 

Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. 

I already had made this request to the Credit bureau several times, but no response
Consumer complaint received 2019-07-25
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: ALLY FINANCIAL INC. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eagle Financial Services, Inc. (OH)

I told then on XX/XX/19 at XXXX XXXX when they called from a restricted number to not call me at work. TodayXX/XX/19 I arrived to work from a doctors appointment and my coworker tells me someone called his phone asking for my extension so he forwarded them to my phone to where they left a voicemail at XXXX XXXX.