davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I contacted Experian because they reported me 30 days late on XXXX account XXXX .... in XX/XX/XXXX. They did not respond initially and I just received a response. They corrected the information, but now my XX/XX/XXXX and XX/XX/XXXX are showing 30 days late. It has never been late, none of my previous reports showed 30 days late. I provided my payment history. For 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, i paid additional payments to pay my account 1-2 months in advance in hopes of paying the debt off sooner. But instead of being rewarding for making additional payments, my information was reported incorrectly and it is not showing incorrect on any bureau but experian
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WI)

This account was opened by someone else on XX/XX/2019 I disputed it on my report but its still there and I don't know who opened this account! the amount is XXXX the original creditor is XXXX XXXX XXXX I don't even know what company this is.. the people collecting the debt is the cbe group inc
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (HI)

I have been recently informed that there is negative information reported by your company, Wells Fargo, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see and entry listing a balance of {$790.00} as of XX/XX/2020. 

I challenge the accuracy, compliance and report-ability of this listing. I have no knowledge of every doing any business with your company. Please validate this information and provide me with copies of any documentation associated with this account, BEARING MY SIGNATURE. I am keeping careful record of your actions, including your Method of Verification. I don't consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this complaint letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XX/XX/XXXX
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (TX)

There is a collection bill on my XXXX  credit report from Choice Recovery since XXXX. This charge is actually for my ex husband, XXXX XXXX XXXX. I did not accompany XXXX to his XXXX visit, neither did I sign or agree to take responsibility for this charge. I started in XX/XX/XXXX disputing this with Choice Recovery advising them of this. On numerous occasions by phone, written correspondence & via their website u have requested that Chouce Recovery provide a copy of the invoice to prove that this service was for me. As if today, XX/XX/XXXX, they have not complied with my request. I asked that if they could not prove this charge was my responsibility to remove this collection account from my XXXX  credit report.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have contacted Equifax so many times to have these accounts removed from my credit reports. I have filed a police report & Identity Theft report to prove that these are not mine. The Dept of Ed/XXXX accounts listed on my credit report do not belong to me in the amounts of {$5000.00}, {$4300.00}, {$3100.00}, {$6700.00}. These are also inquires that I have not applied for or authorized to have anyone access to my credit report XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have tried to pull both my credit report and credit file and was given the message from XXXX, XXXX and Equifax that using my social security number, that I would not be able to retrieve my consumer report and file.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

What Happened : I am requesting assistance in removing XXXX negative XXXX XXXX accounts from my credit report. These items are currently affecting XXXX of my XXXX credit reports, despite having already been removed from the third report. 

Dates & Details : I noticed that these XXXX XXXX XXXX accounts were reported negatively on my credit reports with TransUnion and XXXX. 
I filed disputes with both bureaus on XX/XX/XXXX and received responses stating the negative items would remain. 

Actions Taken : I successfully had the items removed from XXXX after a separate dispute on XX/XX/XXXX. 
Following the first dispute denial, I submitted additional disputes and requests for verification on XX/XX/XXXX, but my requests were again denied without sufficient explanation. 
I also attempted to work directly with XXXX XXXX for a goodwill adjustment but received no response.
Consumer complaint received 2024-12-01
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Awhile ago I received a letter ( 2 pages ) & ( 2 pages from New York Community Bancorp.INC. ) and also the Debit Card From CA middle Class Tax Refund Card XXXX XXXX XXXX, XXXX, XXXX XXXX I did everything as instructed, Activated the card, entered pin # but when I tried to use the card, it did not work. 
I called a few ph XXXX  XXXX that are on the info, no one answered XXXX this is for CA XXXX XXXX XXXX refund XXXX, New York Community Bancorp . Inc. the consumer privacy notice, no answer either I've a problem getting middle class tax refund, entered XXXX XXXX XXXXXXXX this web site asked me to enter ID, password, I did & took me to XXXX, the answer I got " website address does not exist or has been changed ''. 

I dont know what to do
Consumer complaint received 2019-11-04
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Attempted to complete a VA Streamline IRRRL refinance for my home property. After receiving approval for the loan they provided disclosures with the new loan estimates and charges. I saw there was not a VA funding fee associated for VA home loans. I asked, deliberately, about the absence of this charge. The representative stated USAA were exempt of this charge by the Veterans Administration and did not have to apply this charge to its members, creating incentive for myself to pursue this loan. I asked again to confirm and the USAA representative went to confirm that this was valid by confirmation of her colleague and her direct manager. They also acknowledged this exemption to be true. As we approached closing, I did not receive final disclosures, which is not typical. I attempted to reach the processor who had been servicing me thus far, and she was not available. On her VM, she directed calls to another representative as she was out of office during the week. I could not reach said representative or a manager. This was XX/XX/XXXX. Closing was the next day XX/XX/XXXX. I did not receive a call back or any feedback prior to the notary coming. Upon signing I noticed more discrepencies and the notary informed me I have 5 days to cancel the transaction. For the time being I completed the signing and intended to correct or rectify the situation. During signing, I viewed new unpreviouslydisclosed charges ( One being VA Funding Fee ), improper deed recording information, and other concerning relevant transaction details. I again attempted to contact USAA the next business day XX/XX/XXXX, this morning, but a manager or  the previous processors were not available. I feel a compliant is most appropriate given what has transpired.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (IL)

It was a cash app card and money was taking out of a card I created for my daughter. It was XXXX $ or more that was fraudulent sent. Once the company was informed. They stated it was nothing they could do.
Consumer complaint received 2020-02-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

On XX/XX/2020 I called Loanme to make a payment because my bank had returned a payment for NSF due to the teller put my money in my savings account instead of my checking account. I spoke to a lady at the company and told her what had happened. She said she would check to see if the payment had been put though for the second time and if so, I would have to make another payment. She put me on hold for few minutes and when she returned she stated that it had been though two times. After, she told me I need to make a payment over the phone which I did. On XX/XX/XXXX, they took out another payment. I called them about the second payment requesting they return my money since I had other bills to pay. After talking to several people, I was told that I needed to send a print out from my bank showing that the payment was taken out. I did so and called the company the next day to see if they got it. I also inquired as to when they would the put the money back in my account. I was put on hold, then a lady came on the phone and said that they had received the print out and that my money would be put back in my account within the next 24 to 48 hours. After 48 hours had passed I called them again because my money had not been put back into my account. This time I was told that they couldn't use the the print out they needed a Bank statement. My bank statement will not come out until XXXX therefore, they are keeping my money. This has put a hardship on me as I can not afford to pay them twice in one month.
Consumer complaint received 2020-02-15
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: SYNCHRONY FINANCIAL (TX)

This debt is not mine I demand that is taking off my credit someone use my information and use this card not me. If its not I will file a Cease order to the above credit repor if its not fix. I deman that this debt to take it off my three credits report its hurting me I cant do anything bc this scammers reunite my life.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber (CA)

This is regarding two Hard Inquiries and 1 Collection : the first hard inquiry is XXXX  XXXX XXXX XXXX in XXXX California the first time I contacted the Gen Manager there was XX/XX/2019 and the only time. I began telling him why I was calling and told him that I had never stepped foot into at their dealership and would appreciate it if they would remove the hard inquiry off my report he said first that he would have to look up my application when I came into their facility? I asked him how are you going to find my application if I've never been into your dealership? Then he proceeded to tell me he could not help me there was nothing he could do since I have never been in their dealership. I stated you have to write a letter to get this off of my credit since its fraud he said there's nothing he can do for me and I just I don't the phone I'm at my wit 's end with this dealership. 
The 2nd Hard Inquiry is XXXX XXXX. The 1st time I spoke with XXXX was back in XX/XX/2019 when I had realized that they had ran my credit without my authorization. He stated no problem they write a letter it would take up to 30 to 60 days till it falls off my credit report. In XX/XX/2019 I realized it hadn't been removed off my report and I contacted XXXX and informed him of this and he's told me that he no longer work there at XXXX XXXX that I needed to contact XXXX. I then turned around and contacted XXXX for him to inform me that they would write the letter and give it 30 to 60 days. The 5th time contacting XXXX XXXX was XX/XX/2019. This time I spoke with XXXX  and now I was informed that I need a  police report if I file a police report and brought it down to them they will write the letter. I feel as though I'm getting the runaround from both dealerships especially XXXX XXXX it's pretty frustrating. 
The third account is Grant and Weber, XXXX Hospital the amount is for {$3400.00}. ( thats the collection amt {$2100.00} ) My issue is I've never been to this Hospital I contacted XXXX Hospital in XXXX Ca.. I spoke with two different accounting individuals and neither one found me in their system which would make sense because I've never been there.
Consumer complaint received 2020-02-17
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. (PA)

Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.
Consumer complaint received 2020-02-13
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC. (CO)

This complaint is for Ally bank. They have been harassing me and my mother for months. Seemingly by the same lady. She called my mother approximately a week ago from XX/XX/2020 and screamed at her through the phone, threatened her with legal action, yelled at her that she will be sued, and her account, credit and her will be ruined. The same woman called me today ( XX/XX/2020 ), was extremely rude and lied to me telling me that the truck was mine now and that my mother had told her I had the truck, and I was authorized on her account. She threatened me with legal action, threatened my mother again with legal action and said that the company will sue her and that things are going to get worse for her. I do NOT have any legal bind to said vehicle and they DO NOT have any authorization to call me. I've told them time and time again to remove my number and they refuse. My mother has been trying to work with the company since day one, and they refuse, they simply call to yell at her ( and me now ), threaten her and they do not provide any sort of help in the matter/ resolution.
Consumer complaint received 2020-02-26
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. (NY)

They will not remove a XXXX XXXX  charge off Tradeline after XXXX XXXX  told them to remove it. Please see the letter the debt was forgiven.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Tried to find out the negative point on my credit score since Equifax was much lower than the other two scores. They were VERY UNHELPFUL, the employee was XXXX, employee ID XXXX
Consumer complaint received 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

I went to a Chase ATM in XXXX, NY which is not the normal ATM I use and deposited 19 checks at the drive up ATM machine on XXXX XXXX. The machine took my checks and then gave me a screen that said " there may be an error with your deposit '' call an 800 number, I tried calling and the number said I would have to call on the next business day, this occured on a Saturday. At that time I immediately went into the branch and spoke with XXXX XXXX a branch manager who assured me there was nothing to worry about the checks are there and they would give me a temporary credit for the amount of {$1700.00} which was about what I thought my deposit was. XXXX also told me " she hates that machine it's nothing but trouble '' and the problem would be resolved once they empty the machine which could take a week or two. After numerous conversations and trips to the bank, which now XXXX XXXX another manager got involved with they are telling me they can not find 11 of the 19 checks which amount to {$1000.00}. On XX/XX/2020 the bank took back {$1000.00} saying they couldn't find the checks.They say this went through 3 escalated investigations and there are no checks, this is a very difficult situation since these checks were given to me by a group of my husbands co-workers and friends because he just passed away, there were a total of 14 checks from this group and only 3 went through, the bank is now telling me I have to go back to these individuals, who I don't even know and ask them for a copy of a cancelled check or to stop payment and issue me a new check, which I explained was impossible given the sensitivity of it all. I have used ATM 's since they were invented and have NEVER had a problem, this is an unacceptable answer to me, how does 11 checks just disapear?? I am heart sick over this situation and really need some help.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (NC)

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. 
This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake.
Consumer complaint received 2019-11-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Disputed a bankruptcy reporting on credit report. Credit bureau reported that they verified information. However, I contacted the company that credit bureau stated that verified information and was advised that not only did they not verify information, but they do not provide information directly to third parties.
Consumer complaint received 2019-11-19
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: Credit Karma (MA)

In XXXX of 2019 I decided to open an account with Credit Karma online to find out my fico score only to find out that there was already an account opened in my name and my social sscurity number. OMG, I panicked because that was not me that opened it . Credit Karma gave me a real hard time because they didnt believe in me, had to show them many multiple times to prove myself. I suggested to Credit Karma that they should of done that to the scumbag who illegally ooened an account in my name than this would never of happened. They finally realized I was the real XXXX  XXXX  then they closed out the other account. Thank you lord but now this scumbag saw all my personal information, credit card numbers etc. I sent many emails to Credit Karma and they finally said they couldn't help me any further!
I want this scumbag to be arrested. This person set up a phony email address 
Which I looked up & it was a temporary email address. Credit Karma needs stricter regulations on people opening up accounts with them. 
Since this happened 2 times my bank closed my account for multiple failed login attempts which I associate with this scam artist. This has caused me alot of grief & headaches. I asked them for information on this scumbag & an address, they must have something on thus scumbag but told me they couldnt give out any information other than closing that account.
I contacted XXXX  to have a watch on my credit & if anyone tries to open any charges that I will be notified first,
Consumer complaint received 2019-02-19
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: Innovis (GA)

This is my second written request for the removal or block of information that does not belong to me, my identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report ( XXXX Police # XXXX ) an FTC ( XXXX ) report had been filed copies are attached. Please remove this account from my credit file.Please remove all none account holding inquiries, any address other than my current and send me copies of updated report. 
Thank you.