davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}.

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 ) -- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$2100.00} -This is not my account.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NJ)

I consolidated all my loans, all my loans are under one but the credit company has reopen all my closed educational accounts and put them in collections. I have provide paperwork from Great Lakes as well as contacted Great Lakes. They are saying its the credit companies. I have shown that if they add up all educational accounts they XXXX up to the one consolidated account but they still have them open and in collections
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX, has violated my rights XXXX XXXX XXXX  XXXX, has violated my rights XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: DISCOVER BANK (WI)

XXXX has failed to complete the investigation with fdcpa regulations, there are currently disputed accounts still actively showing on my credit report, furthermore, the disputed accounts have been investigated longer than 30 days, no letter has been generated, none of the disputed account creditors have proffered up proof positive of any Information binding XXXX XXXX XXXX to the alleged debt, there are no signatures only personal information that was submitted electronically, additionally there was a police report given in XXXX regarding fraud. And the credit report was locked, since then I have disputed these alleged debts, the alleged creditors have been directly notified of the disputes, initially the disputes were put in XX/XX/XXXX, 30 days ended XX/XX/XXXX, those disputed items still remain on XXXX XXXX XXXX credit report even after being disputed. XXXX has failed to comply with fdcpa, the alleged creditors have failed to provide any corresponding documentation that would constitute ownership of any debt by XXXX XXXX XXXX, XXXX continues to ignore the law. In addition XXXX was sent identifying information about my current address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) my full name as stated on my driver 's license and birth certificate ( XXXX XXXX XXXX ) yet XXXX continues to place incorrect information on my credit file, they updated my address to the home of my brother in Oregon, wisconsin, and have an address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), where I done reside nor ever resided my eldest sibling lives there and has lived there for over 15 years, XXXX continues to fraudulently place items in my report and disregard the documents provided to validate my claims. I would like for them to be sanctioned for constantly and consistent misappropriation of my true Information. I have provided all legal documents to substantiate all of my claims, nobody is holding experian accountable for falsely representing my credit profile, it has caused financial hardship, and monetary loss. I view, based on my perception, it to be deliberate in nature.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (GA)

My credit information was used to open a line of credit without my consent on XXXX XX/XX/year>. A wrong address was used ( I have never lived at this address ) ; at a wrong ZIP code too. I have no association with this account whatsoever. I have attached information of screenshots of this account to aid this investigation and resolution.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX, XXXX & XXXX XXXX, and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

The problem seems to be with Synchronicity bank, I had fraud on a number My cards I havent wrapped my head around the big problem yet I also had an app fraud for my XXXX and they stalled my entire balance when I reported the Fraud to my JCPenneys card. The representative disconnected the call they sent me the statements that I requested but fraud never contacted me back. And they raise my interest rate to 27 % which I find completely agree just and theyre not mailing me my coupons that Im supposed to get and or they expire without my knowledge. When I take the coupon that comes with the statement it always says its been used. I really dont know what else to do. I have fraud on multiple cards related to synchronicity bank. Please help me
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

This is my second complaint about Wells Fargo and a credit card that is being reported to my credit report. Ive explained to everyone involved that this is not my account that it was open due to identity theft its related to a company that I dont own and never have and you guys just completed a review and a complaint, excepted the response from Wells Fargo didnt bother to pay attention to it. The CFPB took a response from Wells Fargo and close my case, as opposed to forcing them to remove it from my credit, which is what supposed to happen the information that Wells Fargo sent back to the CFPB isnt even about me about An individual named XXXX XXXX XXXX Who lives at XXXX XXXX XXXX. in XXXXXX/XX/XXXXXXXX Theyve sent me this persons account profile along with statement and everything else showing everything that the person has paid and purchased and his address and the account number and Social Security number. Im not sure that this is a major violation on Wells Fargos behalf. I wonder if I should contact this person and let him know that his information has been breached.
Consumer complaint received 2022-01-12
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: JPMORGAN CHASE & CO. (CA)

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. JPMCB, Chase has stated that they do not remove accounts from the credit report at all which I know is not true.
Consumer complaint received 2021-11-05
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. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-01-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MD)

On XX/XX/XXXX I took a loan from US Bank in the amount of {$32000.00} to consolidate debt and pay off a home equity loan with XXXX. The original loan document states that my property was secured by another mortgage. The original loan document doesn't even identify the loan type but at some point in time US Bank treated the loan as a " mortgage ''. 

At the time that I took out the loan no escrow account was created. In XXXX, unbeknownst to me US Bank opened an escrow account for insurance. I called them in XXXX to cancel the insurance and notified them that my homeowner 's insurance and taxes were being paid by my first mortgage lender. 

While I was deployed overseas between XXXX, XXXX, and XXXX US bank continued to charge homeowner 's insurance. When I paid of my remaining balance of {$9700.00} this year they stated that I owe {$4700.00} to close the account due to " escrow advances ''. When I realized they had been charging me duplicate insurance for three years, I told them I could provide proof insurance from my other bank. 

US Bank representatives stated they would remove the charges if I furnished them copies of insurance. I obtained copies of the insurance from XXXX XXXX XXXX and sent them to US Bank. Apparently, it doesn't matter because both policies taken from the banks were lender forced and this somehow makes a big difference that I was double charged. 

After one month of phone calls, the US Bank representative finally said today they will not even attempt to contact the insurance company and reverse the duplicate mortgage insurance charged to my account. So in three years I spent $ XXXX on homeowner 's insurance between the XXXX banks on a house that is worth $ XXXX. 

The insurance should have only cost me {$1800.00} over the course of the three years I was double charged by the banks. I don't even understand why US Bank took out a $ XXXX policy if the insurance policy only covered the $ XXXX that I owed the bank and if the insurance company will not even talk to the Borrower whose home is covered by their policy. 

To add insult to injury the insurance company that XXXX and US Bank used in XXXX, XXXX, and XXXX was the same. The name of the insurance company is XXXX XXXX XXXX XXXX. Why would the insurance company accept duplicate payments for one property? Why are both banks saying the insurance company does not refund for duplicate payments?
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

I previously filed a complaint against Lexis Nexis a few years due to their listing someone else 's credit file, names associations with mine incorrectly, addresses, and vehicle insurance information incorrectly on my report that they have sent to my vehicle insurance company. The information is fraudulent and I believe it has led me to be targeted as high risk in ratings when I get vehicle insurance. 

Lexis Nexis supposedly removed the inaccurate information once before but now it has reappeared on a credit report. The insurance company I have did not send Lexis Nexis this incorrect information. Lexis Nexis has stored this information in their database and is reusing it providing  incorrect information to creditors about me and my spouse.
Consumer complaint received 2021-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (UT)

On XXXX I spoke with a representative from Chase Bank. During the call, we discussed an optional payoff amount of {$8500.00} over the course of 12 months in equal payments of approximately {$710.00} per month. They also informed me that I could make a one-time counteroffer to settle the debt in question. I was told I had 30 days from that day ( XXXX ) to make a decision to move forward with this option. I verified the 30-day time frame before ending the call. The direct line number XXXX XXXX XXXX XXXX was provided for me to call back once I came to a decision on the option presented to me. 
XXXX XXXX MST I called back the number provided. After verifying information with XXXX, I was told Chase was not handling my account and would not accept the previously offered payment option. I inquired about the 30-day time frame given on XXXX and was told they were sorry but they could do nothing. I also spoke with XXXX his supervisor who said he also could do nothing. He explained that whether I was given accurate information or not the option given me was not viable. I asked why I was given an option to pay this debt through Chase that wasn't an actual option. After him confirming he had no power to do anything in this situation I asked to speak with his supervisor and he eventually said someone would call within 72hrs.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-01-20
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I therefore legally request the DELETION of INACCURATE items from the PERSONAL INFORMATION section of my credit report with your agency. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Consumer complaint received 2021-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NC)

Conduent Student Loan Servicer & XXXX will not furnish me an " Authentic Promissory Note '' that was purchased by XXXX via recorded phone call, verification of ID that was accepted to verify my credentials for signature authorization.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

A car loan with santander consumer that was closed 8 years ago says i had two late payments but they wouldn't tell me when or provide proof. they said i have to contact credit bureau to get XXXX fixed.
Consumer complaint received 2021-01-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Upgrade, Inc. (TX)

Responded to an email from Upgrade Loans. Date XX/XX/2021. 
Was contacted first by XXXX XXXX, then by XXXX XXXX. Was advised that was approved for {$5000.00}. Advised needed {$2500.00}. Asked if {$3000.00} would be okay. Agreed to that amount. Said wanted to test the system after all information was given. Would send/ deposit {$1900.00} into my account on the condition that it be sent back. Agreed. When the funds arrived called XXXX XXXX XXXX XXXX XXXX for directions on sending funds back. Was advised to go to store XXXX XXXX, XXXX XXXX and get XXXX gift cards and advise when get them. At XXXX was able to get two cards totaling {$1000.00}. Took pictures of them and sent to Mr. XXXX. Was advised to try XXXX. Tried but the card rejected. Received a call from my bank asking if I had called them ( added that the person called had a heavy accent. Advised no, and a hold was put on my account, adding that I need to personally go to the bank in order for it to be released. 
About to go, but, I want to withdraw the remaining balance of {$950.00} and send back. Also, will advise that will not accept the loan. If good, then will know that the company is okay. If not, then I will know that there is a problem with this company.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (TX)

In XX/XX/2016 this account was settled in full during the cancellation period when all equipment was returned to XXXX XXXX. The store and corporate acknowledged that account was paid in full and admitted to being in error. This new collection is also in error and should be removed permanently to remove any liability made against me.