davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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)

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 : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXeported Identity Theft ) - Fraudulently Opened XXXX XXXX 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. CHECK INTO C on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2017-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NV)

On XX/XX/XXXX my husband and I received a letter from Pressler and Pressler in regards to a wage garnishment application that will be filed through Superior Court of New Jersey : Law Division XXXX Special Civil Part. It states that it is a debt from original creditor XXXX XXXX XXXX XXXX. We have no idea who that is. We checked both  of our credit reports and there is no debt attached to that name or any civil or lien judgement against us. I have only heard from Pressler and Pressler one other time, which was back in XX/XX/XXXX or XX/XX/XXXX, can not recall the exact year. They came to my place of employment with a paper stating either I pay them on the spot or I will be arrested. I seemed legal advice at that time and was told that, that was illegal and to disregard the threat. Now XX/XX/XXXX rolls around not even living in NJ anymore and we get this letter, with no debt amount just stating wage garnishment explanation and my husbands place of employment listed. We are unsure how they even retrieved this information. Any debt we may have had in NJ is definitely past statue of limitation. But again we do not know what this debt is or who the original creditor is. I have read many complaints against Pressler and Pressler who they also go by XXXX XXXX XXXX and XXXX ( something ). I have also found that either an associate or a partner works for the XXXX Special Civil court and that is how they are awarded these such judgements. We will do everything in our power to make sure this firm is stopped and this is the first step.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (IL)

Received  XXXX  inquiries on my credit report from a Target/td bank that I never authorized dates  XXXX / XXXX / 2017  and  XXXX / XXXX /   2017  I called and made them aware of this but was told to call credit bureaus who of course would n't remove them and told me to call company.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

I never did any business with these companies yet they have unauthorized inquiries on my credit file. I've never signed a contract with these companies for anything. I did not authorize any inquiry on my credit file and Ive never given permission verbally or in writing to anyone to pass my information to any of these companies.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I checked my credit report on XXXX XXXX and I had a total of 19 collection accounts & 4 hard inquiries removed from my report. I checked my account again on XX/XX/XXXX and I saw that all 19 collection accounts & 4 hard inquiries were placed back onto my credit without sending me a reinsertion letter as required by FCRA section 611. I have called XXXX several times since the incident to try to get this issue resolved but I have not received any help. Reps wo n't assist me nor will they transfer me to the fraud department telling me that they know what happened but they ca n't help me so basically it 's too bad & that I should file a complaint because they wo n't fix the issue. I have faxed proof that I was affected including screenshots of the removals/re-entries to XXXX but they continually say theyve not received anything from me. Since then I have successfully had the original creditors remove some of them from my credit file after theyve confirmed and validated the accounts as false. Also since then, XXXX has added a recording that can be heard when calling their toll free numbers ( XXXX ) XXXX & ( XXXX ) XXXX explaining and admitting to technical issues taking place on the dates between XXXX XXXX & XX/XX/XXXX XX/XX/XXXX that affect account and inquiries being removed and added back on.
Consumer complaint received 2020-02-13
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. (FL)

I am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.
Consumer complaint received 2020-02-28
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX  XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Payment made to account in full and on time. The amount of {$1500.00} processed through my bank on XX/XX/19. I called customer service but Synchrony did not apply the payment to my account and has refused to look for it. They have charged me interest, and penalties since then.
Consumer complaint received 2017-06-02
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. (CA)

XXXX   XXXX   pulled my Equifax credit report twice on   XX/XX/XXXX  and  XX/XX/XXXX , and my  XXXX  credit report on  XX/XX/XXXX  without my authorization. I have had identity thieves steal a credit card and try to open other fraudulent accounts within the last 12 months. It started after   XXXX   XXXX   pulled my report for these unauthorized credit applications. The company does not seem to care that they may have been a player in helping identity thieves gain extensive knowledge of my accounts.   <P/> I have sent a letter and made multiple calls  (   XX/XX/XXXX  and  XX/XX/XXXX  ) on the matter and y et they continue to 1 ) list the inquiries on my report ; and 2 ) fail to provide information on the fraudulent inqu iries. The former hurts my credit score and ability to receive future credit. I 've disputed with both credit reporting bureaus but they and   XXXX   XXXX   rem ain stubborn on reporting fraudulent inquiries. I understand the latter may not be something they want to share everything on. But I 'd l ike to know more about who they let access my report without my authorization. It 's essential in tracing and stopping future breaches of my privacy.  <P/>   XXXX   XXXX   must remove these inquiries from my Equifax and   XXXX   reports. And give me assurances that they know to call and verify any information with me before future applications. And to hopefully, give whatever information they have on the fraudulent uses of my credit report.
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (MO)

Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Around XXXX, XXXX there was a few unauthorized charges on my account. I notified Home depo department about the charges and also confirmed my credit card was misplaced with out my knowledge. I disputed the charges. Home depot did an investigation and once they completed the investigation based on their review they placed the charges back on my account and came to the assumption the charges belonged to me. I been a client with hope depo for about 2 years, always paid on time and never had a issue. Im planning to drop their services for the disrespect I received from them with this assumption. I would like this resolved and cleared of all fraud charges.
Consumer complaint received 2019-11-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP (IA)

I submitted final payment via US Bank App. 2 weeks later I receive a letter that there was an issue and it was returned-no explanation. I called and was told a payoff can not be made via the app and I need to either wire at my expense, mail a check ( no address provided ) or go to a branch. And it takes 2 weeks to process-Why are they making it difficult to pay off and I et additional interest charges-Every other payment can be applied and via app but not final?
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (GA)

XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX  on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.
Consumer complaint received 2021-10-30
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. (CT)

Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( XXXX, equifax and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/2019, a Cashiers Check was sent to Synchrony Bank to pay my existing balance of {$1300.00}. On XX/XX/2019 I called the company to inquire why the payment had not posted. They said the check must have been lost in the mail. On XX/XX/2019, the bank put a stop on the first check and created a new Cashiers Check and sent it XXXX which was received on XX/XX/2019 by Synchrony Bank. On XX/XX/2019, both checks were deposited but I was only given credit for one. When the " stop payment '' check was returned, they reversed my payment. I have called them multiple times in an attempt to correct the issue. My bank wrote a letter and included copies of both checks and the status of each. To date, Synchrony Bank still shows me owing a balance of {$1300.00}. The people at customer service see the issue and agree with me but the payment processing group WILL NOT fix the problem. They will not give me credit for the check which did clear the bank.
Consumer complaint received 2021-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Loan Care which was my Mortgage company until XXXX of 2019 keeps saying that they pay my Mortgage Insurance Premium to my Insurance company XXXX on XX/XX/2019, in the sum of {$3500.00} but can not provide me any proof that this was paid to XXXX. When I contacted XXXX, they are saying they never received any payment from Loan Care in 2019. Right now I am forced to be paying XXXX two insurance premium each month.
Consumer complaint received 2021-09-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/1981 SS # : XXXX Hello, Back on XX/XX/XXXX I requested validation of : XXXX XXXX XXXX Account Number : XXXX I never received validation and it is still reporting incorrect payment history as shown in the attachment. I never missed any payments. This has upset me and hurt me mentally, physically and emotionally and I am requesting that this account be deleted, that we look into arbitration and that I be awarded remedy in the amount of XXXX dollars paid out to me by check and mailed to the address listed above. This is XXXX from the credit reporting agencies as well as from XXXX XXXX XXXX. My affidavit of truth is being written right now please look forward to it. Please cease all contact aside from communication through the CFPB portal. Any documents that you may want to provide should strictly be uploaded here. Please adhere to my terms explicitly!!! 



Thank you. 
CC XXXX XXXX, Esq
Consumer complaint received 2019-11-26
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. (FL)

Hello, I have too many queries in my credit report that I have not authorized and I already spoke with these agencies to report these FRAUDULENT queries but I have already been waiting for them to be removed please remove all these fraudulent concerns from my credit relationship THANKS ..
Consumer complaint received 2019-11-24
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)

I am paying for Equifax Complete premier a credit monitoring plan offered through Equifax. 

There has been an on going problem with their service since XX/XX/2019. I am unable to refresh my Equifax credit report and I am unable to unlock the security freeze. 

Therefore, I am unable to apply for any credit transaction that would use Equifax. 

I have made several calls to their Customer service phone number and have spent up to 30 minutes on the phone per call and no one is able to fix this. The issue was escalated to another department and nothing has been resolved. 

I am essentially paying XXXX per month for a service that doesn't work.
Consumer complaint received 2020-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

JP Chase Morgan turned my mortgage over to XXXX XXXX XXXX. They sent all my correspondence to the address they knew I was no longer occupying. Both XXXX and Chase sent information to my XXXX XXXX XXXX, XXXX, XXXX, AL XXXX address versus my apartment address. As a result, I did not know that my mortgage had been refinanced and that I needed to start paying a trial payment starting in XXXX and ending in XXXX. 
I made my payment to XXXX in XXXX. I had trouble making this payment. I contacted Chase about this problem. Of course they told me that they no longer had my mortgage. They do direct business with XXXX, and XXXX occupies their city-block building at XXXX XXXX   XXXX in XXXX XXXX  XXXX. Although I made my payment in XXXX, my home is in foreclosure. Indeed, a woman from a third-party came to my door this morning and did an occupancy check and took a picture of me at my front door. 
Chase is the largest bank in America and supposedly one of the most reputable banks in the entire world. I would anticipate that they would do business with more reputable companies. Chase should have at least contacted me by phone or emailed to let me know of the eminent change in the status of my mortgage. Indeed, I informed them of my medical status and that I had been in and out of the hospital and oftentimes completely unable to have access to my mail and other forms of information including my cell phone. Specifically, I have been in psychiatric wards where you are not allowed to have access to your cell phone and are only allowed to make phone calls at certain times of the day oftentimes not during business hours.
Consumer complaint received 2020-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It's been a rough Year for me. I'm Ready to purchase Property for me and my kids, so I decided to check my credit..

I cant Believe that I became a victim of Identity Theft. I work very Hard to maintain my credit for me, and my Kids Future.

How Can someone destroy My credit ... this is not Fair nor is this right, I did not give any Consent to these fraudulent Account. this was not authorize by me. I want these Accounts blocked and Removed from my credit thank you
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 - 120 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2019-11-24
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: ID Analytics, Inc. (PA)

Following up with my earlier complaint with SageStream I did exactly as they said and provided my identity and that being a month ago I still don't have a copy of my report. I called and stated that ; " I better have a copy in the mail by the end of the week or another complaint will be filed and possibly I will contact an attorney. '' Have not received a call back nor my credit report as I have asked for.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

CHASE BANK needs to remove late payment history from my records. 
Affecting my ability to get a loan. 
There was a dispute, the loan # XXXX had bank fraud involved with it. 
The loan was corrected, and paid off. Check # XXXX for {$160000.00} XX/XX/2010 was never returned.