davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
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: Experian Information Solutions Inc. (DE)

I RECONIZED UNAUTHURIZED INQURIES ON MY CREDIT REPORT XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  Personal Loan Companies XX/XX/2022 Experian XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX I HAVE SENT LETTERS OUT TO VERIFY ANY OPEN ACCOUNTS AND THERE ARE NONE TO DISPUTE PLEASE REMOVE INQURY OR VERIFY ACCOUNTS
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

Fed loan servicing company was supposed to issue me a check in the remaining amount they owe me for my student loan reversal. They still owe me XXXX $ and said they were issuing me a check in XX/XX/2022. I have still not received this payment. When I call the number for the customer service it is no longer a working number.
Consumer complaint received 2024-01-09
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. (OH)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2023-02-25
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. (AL)

I informed Equifax that XXXX has removed XXXX XXXX XXXX collection account. That they are reporting I owe. Yet, they have not investigated nor sent me any information on the dispute. Ive tried several times by disputing this collection without anything being done. XXXX has sent me information along the way of my dispute with them.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I have deposited an amount of {$10000.00} ( XXXX dollar bills ) at one of the Wells Fargo ATM machine. The ATM machine started counting the bills shown on the ATM screen. After counting {$7800.00} or so machine stopped and screen frozen. After some time ATM machine returned {$5600.00} and deposited {$3000.00} only into the account. The ATM machine eaten up {$1400.00}. When this happened I called Wells Fargo toll free number found on the ATM machine while I was in front of the ATM and complained about the issue. The person on the line filed the complaint and mentioned that an investigation will be initiated on the matter.

Wells Fargo credited {$1400.00} while they were investigating however they debited the same amount saying they couldn't find the money upon doing the calculation.

I have reopened the case and file another new complaint with same response from them.

I found many flaws in their investigation and pointed it to them however they kept the same statement and didnt try to go any deeper.

I also called the CEO office to escalate but wasn't able to reach anyone to escalate the issue further.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the XXXX XXXX XXXX in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On numerous occasions, I contacted Equifax to investigate errors found on my report, especially since my information was exposed in their data breach. I have attempted to dispute the information with Equifax, yet they are not verifying and updating the data based on the facts. I have numerous accounts that have been included in Bankruptcy and should reflect that on my report, though Equifax is not manually validating this information allowing an automated validation to continue to push incorrect information.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC (TX)

I applied for a loan from speedy cash about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from speedy cash since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hello, On XX/XX/XXXX, I was notified by XXXX via email of a past due bill on an account connected to my email. I was taken aback by this because I have no accounts with XXXX. Upon hearing this I contacted my cell phone provider informing them of incident, which resulted in a scan of my phone checking for bugs and viruses. Upon completion it was confirmed that my device had been compromised and hacked and my information and data was subject to being stolen and used for fraud. They advised my to check credit reports with all bureaus, i did and saw that my credit file had fraudulent information reporting from as early as 2021! 
XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, On XX/XX/XXXX, I was notified by XXXX via email of a past due bill on an account connected to my email. I was taken aback by this because I have no accounts with XXXX. Upon hearing this I contacted my cell phone provider informing them of incident, which resulted in a scan of my phone checking for bugs and viruses. Upon completion it was confirmed that my device had been compromised and hacked and my information and data was subject to being stolen and used for fraud. They advised my to check credit reports with all bureaus, i did and saw that my credit file had fraudulent information reporting from as early  as XXXX! 
XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CT)

I am formally notifying your company that unless the necessary steps to address this matter are completed within 10 days, I will file a complaint with the FTC. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

I am XXXX XXXX, a consumer, and this is my last and final complaint before I proceed with legal action. I have already made a complaint with your company and I received your last correspondence last year from your company stating that your company was accurately reporting the information to the consumer reporting agencies. Your company does have any jurisdiction to collect a debt here in Georgia and this " debt '' you're trying to collect on XXXX XXXX XXXX.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

To whom it XXXX concern, I have been a Cardmember of Costco Citi Bank XXXX ending in XXXX since XXXX. Throughout the XXXX years that I have been using this card I have always made ALL of my payments on time. 
On XX/XX/XXXX, of XXXX I received an update coming from the bank that exclaimed that my credit limit had been lowered due to my XXXX XXXX not being high enough. 
Due to this action taken by Citi Bank my overall XXXX XXXX was negatively affected ; Therefore, having been a loyal client by abiding to our contract during the XXXX years, I find this measure to be unfair by having negative repercussions on my XXXX XXXX, and affecting my overall status with every bank that I am a client of. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am submitting a complaint regarding incorrect negative information on my TransUnion credit report. Despite multiple disputes, TransUnion continues to report a bankruptcy filing from XX/XX/XXXX, reference number XXXX that does not belong to me. 

This false bankruptcy information is severely impacting my credit score and ability to obtain credit. I have contacted TransUnion multiple times to dispute this incorrect information, most recently on XX/XX/XXXX, but they have failed to adequately investigate and remove it from my report. 

TransUnion claims they verified this bankruptcy information with their subsidiary XXXX. They also stated that it was verified with XXXX. However, when I contacted XXXX and XXXX directly, they stated they had no bankruptcy records for me at all. Additionally, the court of Maryland confirmed they do not report bankruptcies to credit bureaus. I have also attached a letter that I received from the United States Bankruptcy Court District Court of Maryland. It CLEARLY states that bankruptcies are not reported to the credit bureaus. Also, PACER does not report to the credit bureaus either. I have ALSO attached a screenshot DIRECTLY FROM THEIR WEBSITE stating that. 

I have provided TransUnion with all relevant information to prove this bankruptcy filing is fraudulent, including my full legal name, SSN, current and previous addresses, and statements that I have never filed for bankruptcy. However, they refuse to remove this damaging information from my credit file.

I am prepared to take legal action if necessary. I am requesting that the CFPB assist me in getting TransUnion to properly investigate this bankruptcy listing and permanently delete it from my credit report and any other necessary remedies to restore my credit score from this false information they are reporting.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
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. (PA)

XXXX. Family educational and privacy rights On XX/XX/XXXX I spoke with several individuals at DEPT OF EDUCATION/XXXX and sent a letter on XX/XX/XXXX to XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXX Account number XXXX Amount XXXX Date opened XX/XX/XXXX Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed XXXX, EqualFax and XXXX of the violation of the Family educational and privacy rights requesting removal
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello! below is a list of inaccurate information listed on my credit reports XXXXXX/XX/XXXX, open date XX/XX/XXXX showing paid, closed XXXX written off. i have information that this is not accurate and must be deleted. also late payments posted are not accurate on all 3 bureaus XXXX reports late XXXX, XXXX, XXXX of XXXX. XXXX reports XXXX, XXXX, XXXX, XXXX of XXXX XX/XX/XXXXXXXX open date XX/XX/XXXX credit limit {$300.00} XXXX is reporting late XXXX, XXXX of XXXX. XXXX is reporting late XXXX of XXXX information is not the same on all 3 bureaus. 

XXXX XXXX  balance XXXX this company is reporting late payments.on my reports, please remove according to USC 1666b The following are accounts that are not recognizable to me an a FTC report was filed. report # XXXX XXXX open date XX/XX/XXXX Balance XXXX XXXX XXXX open date XX/XX/XXXX Balance XXXX XXXX, XXXX, XXXX open date XX/XX/XXXX Balance XXXX XXXX XXXX  open date XX/XX/XXXX According to USC 605 b i would like this information deleted immediately. this is causing me great loss as his remains inaccurate on my report
Consumer complaint received 2023-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONTRACT CALLERS INC (IL)

On XX/XX/XXXX I received a random phone call from a stranger asking me to verify my identity. I obviously would not volunteer this information in the day and age of identity theft and scam artists. When the caller refused to answer any of my specific questions about who they were and what they were calling about, i told them I would not verify my identity and to never call me again. On XX/XX/XXXX I got a notification from XXXX XXXX XXXX that a negative major deragatory event had hit my XXXX XXXX. When I reviewed it, it was from a company called Contract Callers Inc who i've never heard of. I then learned that in order for a debt collector to report your debt to the credit agency they have to satisfy XXXX of the following : Before a debt collector can report your debt to a credit reporting company, the debt collector must do any XXXX of the following : XXXX ) Speak with you in person about the debt, XXXX ) Speak with you by telephone about the debt, XXXX ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or XXXX ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. 

NONE of these steps were followed.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MS)

On XX/XX/XXXX major fraud started on my account. My information was compromised and a fraudster added bank accounts to my account, made fraudulent payments, spent the money at XXXX stores and returned the large payments. They spent over my credit limit. My total balance was {$6100.00} before the fraud messed up my account. I received a letter in XXXX from XXXX saying they removed the fraud and I would not be responsible. However, my current total says {$9200.00} and is still showing the fraudulent payments and interest from fraud. My minimums went up and I still do not have the original balance plus my continued payments showing. I was also promised a new card was coming multiple times, monthly during the last 9 months. I have continuously called, emailed XXXX XXXX and presidents office. I have not received a call back from the presidents office for help. I received a letter that said there was nothing to change. Which is incorrect. I should not be punished for fraudulent activity, a closed account without my knowledge, no working card for 9 months, and have to track them down for help continuously. This needs to be fixed as soon as possible. This is ruining my credit score and i should not be punished for fraud or a companys mistake closing my account without my consent. I want a new card as promised, the fraud removed from my old account, and credit for my continued payments of {$810.00}. It should not take 9 months to fix a fraud problem and get contacted back with help. I have been a loyal customer for years and this treatment has really left a bad taste in my mouth. The fraudulent payment activity is as follows : XX/XX/XXXX {$3300.00}, XX/XX/XXXX {$5800.00}, XX/XX/XXXX {$9300.00}, XX/XX/XXXX {$8900.00}, XX/XX/XXXX {$9800.00}, and XX/XX/XXXX {$9300.00}. These were made with fraudulent bank accounts that were made, spent, and returned without my knowledge or consent. As soon as I realized what was happening I called XXXX XXXX and they told me they removed these bank accounts from my account and flagged them for fraud. I had also saved up over XXXX airplane miles on my account, which is why I chose XXXX and lost all of them because I was just told I needed to redeem them within 30 days of a closed account I didnt know about or agree too. Nor could I redeem them because my account was closed