davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (IL)

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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 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 depressed now.with no help.
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (WA)

Ben getting a lot of calls from Central XXXX Portfolio control, explained to the lady on the phone that i didn't owed any of those medical bill that she claimed, I even told her i i work for XXXX XXXX as XXXX XXXX XXXX  and my primary care provider and medical/health check up/visit is all through XXXX XXXX. I even send them a copy of my insurance to XXXX. Also explained to them that I'm a victim of Identity theft. 

Instead of leaving me alone, they called me multiple times and threatened me, my wife and my kids by telling me that they will get their attorney and the federal government to put me to jail if i don't pay up and their attorney is able to get the judge to put me behind bars for my whole lifetime, they also tell me they have the capabilities to destroy my credit history which they have done that as my credit report shows central portfolio control. They also harass me by calling me multiple times, in the morning around XXXX to XXXX XXXX, in the afternoon around XXXX XXXX, in the late evening around XXXX to XXXX XXXX. 

I try to explain to them every time they call me but they just don't even bother to work with me even after i told them i even send them a copy of my insurance card to show that my insurance and the company i work for is XXXX XXXX, Please assist me in this issues as i have tried everything i can and they keep harassin me on a daily basis. The phone number they called from is XXXX Have a bless day! 

Sincerely XXXX XXXX
Consumer complaint received 2020-07-25
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. (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. he Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 


Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX You have 4 inquiries These lenders have accessed your credit file : XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX FACTUAL DATA/XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2021-05-05
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. (OH)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX
Consumer complaint received 2021-04-28
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)

Wrong information, wrong address : FCA Violations XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY MAIL RETURNED XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Levy & Associates, LLC (IN)

I have been paying Levy and Associates fake law firm for a credit card debt for more than two years anywhere from XXXX to XXXX a month. The current amount is XXXX a month. However when I asked them why the balance is not down or furthermore resolved she sent me to another line that hung up on me. I called back and it then stated they were busy at the time and leave a message. Well I left a message and no call back. I called back a couple more times only to get the same recording. I called my bank and stopped payment but this lasts one year. I feel like I was scammed and want my money back.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I talked to customer service on XX/XX/2021 to pay off my account and close my card. The card has been closed and the balance is {$0.00} after i made {$87.00}. However, Citi bank still charge me interest and adding {$35.00} late fees on XX/XX/2021 ( One day after i made the payment ) and another {$35.00} late fees on XX/XX/2021. This company is a scam. Citi bank should credit back all the in-reasonable charge to my account and bring it back to {$0.00} since i already closed my card. 

I have been working with XXXX account manager XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

have to late payments XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX sent dispute directly to both companies and dispute wiyh all three credit buearus its been past 30 days no statement from companies have been submitted to credit buearus and buearu did not remove also a have XXXX XXXX XXXX  accounts that transunion hasn't removed please remove under the ftc report on those two accounts under the 605 act
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (OR)

On XX/XX/XXXX I initiated a funds transfer using Xoom ( XXXX ) pulling from my checking account on record with XXXX to a checking account ( XXXX  ) in XXXX XXXX for {$500.00}. The transaction was initially delayed then canceled without reason. The transaction number is XXXX. I called a XXXX XXXXep to get a reason for the cancelation and was asked lots of questions about my reasons for making the transfer ( making me feel a bit criminal ). I was then told that the case would need to go to " compliance '' for a security review. I am am frustrated that Xoom doesn't engage in due diligence up front ( i.e. collecting documentation such as Passport, ID etc. ) before allowing transactions to be completed in the portal. This process an others in recent weeks with XXXX have caused me to loose valuable time on " Chats '' with customer service trying to link checking accounts and responding to denials of transfers. Viewing complaints in the XXXX XXXX XXXX  I see scores of similar complaints about Xoom where transfers are summerily declined or held up for relatively small amounts ( attaching screenshots ). I am also seeing lots of complaints about Xoom where funds are delayed in reaching recipients oversees. 

These delays can make a big difference if exchange rates change once funds are finally released. 

There is a pervasive trend of lack of transparency with money transfer accounts with XXXX. 

Further, XXXX is not up front about changes to accounts ( rules around cash accounts ) to consumers wondering why an account that they've held since XXXX is suddenly getting all kinds of scrutiny ( balance less than {$300.00} ) as if it's a money laundering opperation. 

I've attached an example of another customer experience similar to mine using Xoom. 

Small funds from a USA perspective are desperately needed by folks around the world especially in areas suffering from COVID like XXXX and XXXX XXXX. These remittances are life-saving in some cases. Having funds delayed is both shoddy business but it's not just. 

XXXX corporations will likely be the subject of increasing complaints unless regulation is placed top keep them from holding consumer funds unnecessarily.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MO)

XXXX original complaint. With all the companies responses. 

Per Your last communication response through cfpb Although we submit updates to the reporting agencies each month, we do not furnish information that accounts are past due to the credit reporting agencies. Depending on the current condition of a given account, we will furnish an account as either Account assigned to internal or external collections, Account paid in full, was a collection account, or Account paid in full for less than the full balance. 

I was. Notified today that you flagged me for non payment on all 3 credit bureaus. 


You also stated you would stop debt collection for 90 days in the same prior communication they cfpb. 

Per this exact conversation dated - XX/XX/XXXX You convey that you can not afford to pay the balance due to recent financial hardship related to the COVID-19 pandemic. We are sensitive to your situation, and in keeping with the Hardship guidelines found in Article 2 of our Consumer Bill of Rights, we have placed a temporary hold on collection activities against you for the next 90 days. 
ATTACHMENTS XXXX ( XXXX KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Which you have violated. 

I contacted your company to make an effort to pay your company shortly before court. Your Supervisor stated he would not make any deal or option for payment until my complaint was removed. I called again a week later and was told the same thing. 

You have violated my right to freedom of speech. 

Your company has violated my rights multiple times. 

If I filed a complaint originally it was because you were breaking the law. 

Then you refuse my offer to settle debt, until I remove my complaint for you violating my federal rights in the first place. 

So I went to court. Your representative did not show up. 

The judge waited for hours. They still did not show up. 

I was told the case was closed. 

Today I am notified that you violated my credit. AGAIN. 

what happen to 90 days? XX/XX/XXXX thru XX/XX/XXXX hmm What happen to forcing me to remove my complaint? 

You won't make a deal for repayment until I remove my complaint. I told you I wouldn't remove it. 

You can not force me to remove a complaint against you or your company. 

Then you no showed for court. I told the judge what you did. 

So please. 

If you would like to push this matter further. I would be glad to find a very over zealous attorney. 

This is now my 2nd official federal complaint against your company for violating laws that were put in place to protect individuals from companies like you. 

You refused to settle. 

Because of complaints I filed. 

You didn't show up to court. 

And the you violated my 90 days of covid consumer protection.
Consumer complaint received 2021-07-16
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. (MD)

Re : Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorizeXXXX XXXX XXXX XXXXF Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized COSUMERPOR Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This Account is Inaccurate and Fraudulent Inquiry Please Delete at Once By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/2021 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 me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Consumer complaint received 2020-08-20
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: JPMORGAN CHASE & CO. (NV)

I am an XXXX member. I waited until I was going to make a big purchase ( first time you use the card 20 % off ) before applying for the card. 

I was approved and made and paid off my big purchases. That card has no annual fee so my plan was just to keep a XXXX  balance and use for big purchases for rewards. 

XXXX changed my payment default from my checking account to their credit card. I made two purchases of less than {$20.00} a piece assuming this was being taken out of my checking account. It was on the card and late payments and a late reporting to the credit caused my score to drop drastically. I made sure this account is current.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I had been offered a job, which ended up being a scam. I was told to deposit a check, which I was at the time unaware was a fake check. Into my wells fargo checking for supplies I would need to work from home. They told me to send on over the money via XXXX to pay the vendor for the computer supplies I would need for the job I was just hired for. I found out that day that It ended up being a scam. I read a post on the XXXX  website very similar to my situation for the same company they used. I immediately contacted my bank to let them know of my concerns. It was not too long after I had sent over the four XXXX payments. I thought I was going to receive these supplies. I filed claims for the check and the four XXXX  transfers. This has gone on for weeks now. I talked to every department at wells fargo, escalating it as high as I could, constantly being transferred from one person to the next spending hours on the phone with them, on hold, etc. I lost out on {$1300.00} dollars and they overdrew me by {$600.00}. My account has been negative. I changed my account asap, but that didn't stop the check from taking the money out of my new bank account. Since it was fraudulent. The associates at wells fargo were rude and lecturing me multiple times and shaming me for using XXXX and warning me about sending money through XXXX. When I didn't know I was being scammed. They didn't give me provisional credit either. I also filed a police report and filed with the FBI about this. I am still waiting for wells fargo to let me know If I will get all my money returned since they closed out all my claims, saying they weren't considered fraud it was a scam, and there wasn't any bank error ( when they know it was fraud ) They said there are no guarantees that I will get my money back. I have good credit and this has never happened to me before, I have been with wells fargo since XXXX. Please help me, as that was the only money I had left, as a single mom of XXXX. Who was just trying to get a job and got scammed. Wells Fargo has all the info and I am waiting for the Executive Office for the complaints department to get back to me by XX/XX/XXXX.
Consumer complaint received 2023-01-23
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. (TN)

I sent the company a certified letter back on XX/XX/2022, and it was received on XX/XX/2022, but I never got any response in regards to what I was asking for.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

CEASE AND DESIST I, XXXX XXXX, Natural person and consumer, am notifying LexisNexis that you are violating 15 usc 1681 and my rights as a federally protected consumer. 
XXXX XXXX and XXXX is reporting a Bankruptcy on a consumer report bearing my name and alleges you, LexisNexis, have validated the Debt and Verified the accuracy of the data. XXXX, and XXXX have refused to cease reporting this inaccurate information more than XXXX times and claim that you validated the information, my information has been frozen with you and I have a confirmation letter from you dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and case number XXXX. This means that my information has already been provided to you as far as my identification to validate me and my account and you shouldn't be sharing any information with no XXXX. 
Lexis nexis is the Furnisher. 
Per FCRA Section 623 ( a ) ( 1 ) ( A ) When you provide information to the CRA, You have Obligations under the FCRA to ensure the accuracy of the information you Furnish. As a rule, its illegal to report information that you know to report information that you know or believe its inaccurate. 

Per FCRA section 623 ( a ) ( 1 ) ( C ) You can not, under any circumstances, report information the consumer has told you is inaccurate if it is, In fact, Inaccurate.

Per FCRA 623 ( a ) ( 2 ) ( B ) If you furnish information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, You must promptly notify the CRA and provide corrections or additions.Going forward, you must furnish only the correct information to the CRA. 

As evidenced by your removal of this account from LexisNexis reporting ( after I disputed and made multiple phone calls ), you still have notified the CRAs, Specifically XXXX XXXX AND XXXX that they are illegally reporting. This is a direct, willful violation of 15 USC 1681. 

This is not a dispute. This is a Demand for LEXISNEXIS to comply with federal law and cease infringement on my right to privacy and fair consumer reporting. 
I've been dealing with this harassment for over a year as a result of your illegal actions and it has cost me countless opportunities, my credit, my reputation and put undue hardship and stress on me and my family, you LEXISNEXIS, are civilly liable.