davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
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: PDQ Services, Inc. (FL)

I sent in several certified letters to all XXXX credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all XXXX bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all XXXX credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
Consumer complaint received 2024-09-21
Product: Credit reporting 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. (GA)

After checking my credit reports, I noticed multiple fraudulent inquiries that's showing on my credit report. I did not authorize theses fraudulent inquiries that's showing on all three of my credit bureau reports. See attached documents on the separate sheets.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I have repeatedly asked Equifax to delete this false information from my credit report, reported by XXXX XXXX. They have investigated however the information provided by XXXX is repeatedly inaccurate and is not consistent. They have a delinquency date of XXXX for {$1.00} past due. This account was previously deleted from my account and in XXXX XXXX it appeared on my report as a collection account. I have written and requested XXXX to provide proper documentation showing all payments received as I have disputed the accuracy of their data to Equifax. XXXX has not provided me information or properly reported that information the credit agency. How can a company report past due debt and not report the date of last payment received? The alleged debt has monthly payments of XXXX $ and they reported the amount past due is {$1.00}. This amount would be more if my date of first delinquency was in XXXX. This information is wildly inaccurate. The information is obviously false and has been reported multiple times by XXXX despite several attempts to rectify the situation via Equifax and XXXX. Please has XXXX and Equifx remove this false information from my credit report immediately as it violates the FCRA of reporting inaccurate information. Equifax has failed to properly review the information from their investigation. The information is obviously false down to the dates, reported dates of past due amounts, amounts due.
Consumer complaint received 2017-07-14
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. (CA)

I sent, by  USPS certified mail, a di spute and request for validation of negative information reporting against my SSN to   XXXX   on  XXXX / XXXX /   17  and Equifax on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting  Act, 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and   XXXX   and Equifax responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim.   XXXX   and Equifax are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX   XXXX   XXXX   XXXX    continu es to report inaccurate information on my credit reports. Currently they have  XXXX  different accounts reporting on my Equifax report. I 've only had  XXXX  loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
Consumer complaint received 2017-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (NC)

I was contacted  by Vance & Huffman abou t a year ago about I debt I owed to a company name  XXXX   XXXX   XXXX  to Own. I told the representative on the line that the debt was n't mine because I have never lease anything from this company. I asked the representative when did the debt occur, what date, what was the product, and what address was the product delivered to. He had no answers. After calling a few more time the call from the collection agency ceased. On  XXXX   XXXX ,    2017, Vance & Huffman  attached this collection to my credit report despite me denying I owe this debt. I have received absolutely no communication via mail. Not even an account number so I can request a letter of validation.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

XXXX has now sold this unsubstantiated debt now a 3rd time.
I hav asked XXXX XXXX XXXX to send me th supposed orignal contract i signed, and of course none of them do or can ... first it was sold to XXXX XXXX -- i made a complaint- and their response was to stop the wrongful collection -- - then XXXX sold it to XXXX XXXX -- who again- could not validate the debt -- - after i made a complaint against them ... that was about a year ago.. and they agreed to stop harassing me and closed their file -- now XXXX is at it again -- -- sold it to a third collection agency XXXX XXXX ( XXXX ) XXXX acct # XXXX- I explained the situation to them, and they also can not validate the debt - i told them as well show me a contract i signed -- -- i did not and never did order this service..
<P/><P/>
For your reference -- prior complaints numbers for this same wrongful debt collection..
the XXXX complaint number is # XXXX this complaint was made on XX/XX/XXXX They ceased collction and then started again and another complaint was madeXX/XX/XXXX # XXXX- they finally stopped their wrongful collection.
<P/>
XXXX XXXX was also trying to collect this debt early XX/XX/XXXX and i made a complaint # XXXX also on XX/XX/XXXX- they also agreed to sopt collection this debt i do not owe.
<P/>
thank you XXXX XXXX 8
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NV)

I applied and was approved for a fidelity credit card. Promotion stated that if I spent {$1000.00} in three months, they would credit me {$100.00} into a fidelity account. I did spend more than {$1000.00} in three months. I called the credit card and company and was advised the credit card I applied for did not have the offer.
<P/>
The only reason I applied for this credit card was because of the offer. Now they do not want to pay up?
Consumer complaint received 2017-07-08
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: AES/PHEAA (MS)

Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. Fedloan had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes
Consumer complaint received 2017-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CO)

I called them and filled the correct forms. They have used my account information and ruined my credit. They have made it impossible for me to live. I am homeless and have communicated with them countless times and this is making it harder for me to make money. They have told me that I have a year before any payments are due so that I have time to get situatied and stabilized. Recently without a warning they charged {$1100.00} to one of my loan accounts and expect me to make a {$500.00} payment within a week. I am homeless and have to no place to live and have been working to save money so that I can have a home and repay my loans. I have submitted the paperwork they required and it was accepted. Now they are asking for more paper work. I have been busy trying to XXXX XXXX XXXX. They have tied my hands and not allowed me to afford a place to live. After expenses I am not making a living through my XXXX just yet. I am trying to figure out a way that I can pay them back. They have illegally used my bank account information from my XXXX to find out how much I have which is not considered income as I need the money to run my XXXX. A charge like this will put me out of XXXX and then I will have no way of repaying. They have been picking on me and working against me while I 'm at work trying to save money so that I do n't freeze to XXXX over the winter. I did not want to go to school in the first place and they forced me to take out loans that I did not want to take thereby forcing me to continue school and get deeper into debt while helping others around me just because they know their parents. Then they would not let me pass and made me struggle more than the other students. They have discriminated against me and forced me into debt so that they could get as much money out of me as possible. They pushed their loans on me into taking the max amount of classes so that I would n't have time for a job. This put me into debt without offering a way of repaying. They distracted me with lessons that got me nowhere in life and forced me into doing their work thereby keeping me distracted from earning an income so that they could collect interest. All because I 'm different and on my own. I did not want to continue going to school and putting myself into debt but I had no choice as I did not have a job or have time to find one. They are taking advantage of people and not offering anything real in return. Shoved their money in my pocket and forced me into a desk so they could fail me just enough to keep me in school but not allow me to look employable. So that they can have a home and family and make me homeless and working hard to be homeless. This is greed and it does nothing good for society. Whoever is responsible for this must be stopped and put in jail. Taking advantage of kids and homeless people so that they can live luxury lifestyles is immoral, unethical, and unrightous. These people need to be brought to justice.
Consumer complaint received 2017-07-09
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: CITIBANK, N.A. (NY)

XXXX agreed to remove me from their database and not to wait 5 years, if my banks XXXX XXXX. and Citi Bank intervene and tell them to remove me, since I payed the balance of {$330.00} to Citi Bank and {$850.00} to XXXX XXXX. However, nobody took steps into correcting this and removing me from the database so I can get my life back.
Consumer complaint received 2017-07-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CT)

I am writing this complain in regards to claim Wells Fargo 's promotion credit. As per Wells Fargo 's previous Promotion in  XXXX  2017, customers who open an Everyday Checking that can meet the designated requirements will receive a {$250.00} bonus credit within 45 days of the requirements being met.
 XXXX 
I opened my Everyday Checking account online on   XXXX   XXXX  , 2017, and immediately received an email from Wells Fargo confirmed that my new account was eligible to receive a bonus offer. I have credited {$250.00} to my new Wells Fargo Everyday Checking account at opening, and made over 10 debit card purchases within the first 60 days ( Please refer the attached ). In addition, I have also contacted Wells Fargo Customer Service Representative by phone for the same issue for many times, even though they all confirmed that I have met the requirements to receive the {$250.00} bonus credit, but they NEVER credited me. It 's been almost 4 months since I opened the account at Wells Fargo, I 'd like to report this issue, and make Consumer Financial Protection Bureau aware of this fraudulent offer from Wells Fargo. Thank you.
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (FL)

Inquired about a cash advance XX/XX/XXXX.
Chase policy is max 20 % of credit line which {$25000.00}. Was told that I had an advance back in 2014 ... .for around {$4000.00} and wasn, t eligible for another one  because my balance was still the same.
my min due each month has been around {$300.00} ea month and I ALWAYS pay more than min due ... {$500.00} currently.
Why hasn, t my cash advance balance been reduced along with my purchase balance since I always pay over and above the min due each month?
Cash Advance interest 25 % / purchase charge is 12 % ... .I feel like a cash cow for Chase or the gift that keeps giving since I pay 25 % interest each month on a Cash Advance balance that NEVER reduces regardless how much I pay above the min due each month! THERE IS SOMETHING WRONG WITH THAT PICTURE!
Consumer complaint received 2017-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

**Misleading and Fraudulent Advertisement of Chase Bank 's XXXX XXXX XXXX XXXX Chase Bank in association with XXXX XXXX issues credit cards that offers the miles for the purchases made using the cards. One such card is XXXX XXXX XXXX card issued by Chase Bank. This card charges variable APR of 16.74 % - 23.74 % with annual fee of {$390.00} ( soon to be increased to {$450.00} as recently notified by Chase ). I have this credit card the terms of benefits clearly states that the accrued miles on XXXX XXXX will not expire as long as the credit card account is active. <P/>I have accrued almost half XXXX miles on XXXX XXXX primarily using the credit card purchases but recently came to know that XXXX has blocked my mileage account and my miles are not available to me now. <P/>It is not in accordance with what Chase has promised and made customers take this credit card product and pay the annual fee with the interest charges. <P/>I contacted Chase Bank regarding this and asked them to refund the annual fee and interest charges as they are not giving me the promised credit card benefits but they refused to refund the money they charged for the undelivered benefits.
Consumer complaint received 2017-06-25
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: Experian Information Solutions Inc. (DC)

XXXX XXXX XXXX is a shame. I want a current report that I can download and retain. For years I was able to get an annual on-line credit report. Now after I give out all my personal information, I get a standard PDF form that I must send in to get the report. I want to download my most current report and not get a hard copy mailed to my address that is a month old by the time I get it. I do n't want hard copy mailed to me ; I want do download a current version copy. Why do I have to verify all my information on-line if at the end of the exercise I have to complete and send in a hard copy form????? Is this just another exercise to collect data on me????? I do n't want month old hardcopy mailed to me sitting at my doorstep that anyone can pick-up and use to steal from me.
Consumer complaint received 2017-06-24
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: CITIBANK, N.A. (FL)

Citi cards di spute case number Case ID :  XXXX , first I filed dispute because I have n't received ordered merchandise, after receiving it City cards reversed the credit but I was not happy with the quality since I received completely different product that was ordered so I shipped it back. Since then I have been trying to contact citi cards and merchant to get my money back for the return without success. City bank closed the case stating they never received return tracking number, but it 's not true. I emailed and faxed it over multiple times.
Consumer complaint received 2017-06-24
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. (FL)

inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   I called the  Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit report ing agencies make mistakes.
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax reinserted information that had been deleted in XXXX 2015. XXXX agreed to remove XXXX accounts yet Equifax continues to report accounts. Please delete accounts numbered XXXX from my credit report immediately as agreed.
Consumer complaint received 2016-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (LA)

I am a former XXXX University student. I was forced to take out a XXXX loan in XXXX XXXX. I paid on it without missing a payment until XXXX/XXXX/XXXX when my loan was changed to UAS. I have called UAS about loan forgiveness or 40 % reduction and they refuse to answer any questions about this. The only thing they offer is to put it into forbearance. They are not offering the 40 % reduction or debt relief of any kind. They are very rude every time I speak with them. I have good credit so I have yet to miss payment but it looks as though my federal loan will be forgiven through the attestation form. It does n't talk about my private loan at all. I have paid on my private loan more money because I have been paying longer and I have been paying the high interest rate. I would like to know what I am supposed to do I have tried to call XXXX but they are no longer in business and UAS is worthless.
Consumer complaint received 2017-08-30
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: SELECT PORTFOLIO SERVICING, INC. (CO)

Please reference complaint number XXXX. 

Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? 

Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?