davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-11
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. (GA)

In XXXX I received an offer from XXXX XXXX about a debt that I owed to XXXX  XXXX XXXX. I was told if I paid the required amount that the debt would be removed from my credit file including the balance that was being reported by XXXX XXXX XXXX. I paid the balance and XXXX XXXX did in fact deleted the negative entry off my credit. However, XXXX XXXX XXXX still refused to delete this account off my credit. I called XXXX XXXX XXXX on many occasions and I was told that they are no longer reporting this account. I was told to put file a dispute and send a copy of my credit report showing that they are in fact still reporting negatively on my credit and the account would be removed but they failed to do so. XXXX XXXX XXXX continues to report that I failed to pay even after the debt was settled with XXXX XXXX. The last report date was XXXX, XXXX.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I am currently a college student. I was contacted by someone through my email and was offered some sort a research opportunity that dealt with finances and sorts. Because of that, they sent me a check and I deposited the check thinking that check was real. After the money showing up in my account, I believed that I had that money in my account. After the person who sent me that check, asked me as one of my responsibility to send money to someone. And since that money showed up on my account, I did as they instructed to send through zelle. But turns out, the check was not real and in the end was scammed and lost XXXX. I send money to them thinking that since the money showed up in my bank account everything was okay. However, later I realized the check was fake. I went to XXXX XXXX XXXX as soon as I could thinking that because it only happened a day ago they could do something. However since zelle is a quick payment, they told me there wasnt much they could do. I believe zelle should protect their customers better and if someone wrongfully sends money, they should be a way to help them with their problems. Now my bank account is empty and I can do nothing but wait.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Jim Bottin Enterprises, Inc (NY)

On XX/XX/2017 I cancelled my gym membership with XXXX XXXX. Cancellation confirmation was provided in writing by XXXX and a copy was provided to ABC Financial.  Attached with this complaint for your records and investigation into ABC Financial is a XXXX dated email and confirmation of cancellation letter confirming the gym membership was cancelled. Despite the fact that this cancellation was confirmed, ABC financial contacted me by telephone and harassed me with collections notices demanding payment for a cancelled and confirmed gym membership. ABC Financial called me repeatedly and did not stop calling after I advised them to stop. ABC Financial attempted to collect debts that were not owed and threatened to take actions that can not legally be taken. In addition, ABC Financial failed to send a notice summarizing debt within 5 days of my written communication.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

I have a checking account with wells fargo. I had someone steal my debit card so I submitted several disputes. Wells fargo approved two of the disputes no problem and issued credits, but denied the other fraud disputes due to the fact that they " came to the conclusion there was no error in the transactions '', however the disputes were all for the same transaction from the same vendor. They approved two of the disputes for smaller dollar amounts the larger disputes they rejected. Now I got a letter stating they will be closing my account on XX/XX/XXXX, I want my money back for the other fraudulent transactions. Below is a list of the disputes, and the results. 

All of these transactions were made at a casino ; I did not authorize these transactions I Want my money back, please help. Wells fargo to date closed in total {$7300.00} XX/XX/XXXX - {$280.00} - closed no credits issued XX/XX/XXXX - {$1300.00} - closed no credits issued XX/XX/XXXX - {$1000.00} - credits were issued same merchant reported same date? 
XX/XX/XXXX - {$500.00} - credits were issued same merchant same date reported? 
XX/XX/XXXX - {$1000.00} - closed no credits issued XX/XX/XXXX - {$3600.00} - closed no credits issued, asked for an explanation none was given. 
XX/XX/XXXX - {$970.00} - closed credits reversed In addition I wells fargo reversed {$870.00} in credits with no explanation please help. In total I am still waiting on over {$8000.00} in credits that they failed to issue nor provide an explanation.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

Filed chapter XXXX XX/XX/XXXX, XX/XX/XXXX, discharged received. XXXX received a copy of credit report from my financial institution. Report revealed auto financing company failed to report auto payments post-reaffirmation payments. I contacted finance company who stated under FRCA, they have the right not to report payments for clients who file bankruptcy. 

I contacted the attorney, who sent correspondence to auto finance company. XXXX, auto finance company submitted similar information given to me verbally to attorney.
Consumer complaint received 2019-09-09
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2019-09-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MS)

My accounts are being reported as in deferment but they are not. The balances and the last payment is also not showing up. This is delaying my ability to close on a loan and I need the accurate account status to reflect my credit report as soon as possible.
Consumer complaint received 2023-11-23
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. (TX)

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. 

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 2019-09-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MI)

I receved a letter on XX/XX/2019 that my mortgage was sold and not to send payment to old serviceing company.I had paid for XX/XX/XXXX due date on XX/XX/XXXX and my due dateis not till the XX/XX/XXXX son i oaid three weeks ahead then waiting for new Fay servicing i paid them on XX/XX/2019 for a due date of XX/XX/XXXX.Fay servicing says my mortgage is a DSI Mortgage that i never heard of and because there is 5 weeks between payment i must now pay an extra fee odd {$240.00} and i was never late but because there is mor than 31 days or somthing i must pay.In my 13 years i have been late and never had this charge this is all new to me.they say my interest rate is 10.61 somehow someone did not tell me truth.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

My name is XXXX XXXX XXXX, about a year ago, i had an checking account under XXXX XXXX. After i opened it, i received a letter from XXXX XXXX regarding my account had a check problem and had to closed my account. At that time i talked to one of the banker, the reason whyXXXX XXXX close my account is becasue one of the check deposted to my account, but that check is not belong to me and i never deposited. XXXX XXXX said they would do the investgation and would give me a call back. After they did the investgation, XXXX XXXX said was not my problem, but XXXX XXXX confirmed that my account had been closed, but I can open a new account at anytime. After 1 years later which is today XX/XX/2019, i tried to reopen it, but XXXX XXXX said they cant open an new account, so i asked them why they cant open for me, and they never give a reasonable reason at all, so the XXXX XXXX banker told me to call the customer service hotline, and the cusotomer service still cant answer me the question at all why they cant open account, i talked to the person name XXXX   which is the sales department manager, he told me wait for the letter for the reason and i wanted to speak with other department which can help me out, they refused me, and no matter how many i ask him, he still not helping me at all.
Consumer complaint received 2019-09-09
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 am a victim of identity theft. I tried to solve this issue with Equifax in the past. Back on XX/XX/XXXX, they received a notice from me delivered via certified mail in which I reported that this account incurred in fraudulent charges. I also included FTC report attached. As of today they have failed to remove these fraudulent charges from my credit report. This is a violation under the FCRA. Account is the following : XXXX XXXX account # XXXX. Opened date : XX/XX/XXXX. Balance {$0.00}. Status : Closed. 

Please help me to solve this issue. They are committing Defamation of character and a violation of the Fair Debt Collection Practices Act. 

Attached : - FTC Identity Theft Report - Letter sent to Equifax
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Credit Bureau Financial Services, Inc. (TX)

Robocall for Credit Bureau stating that they would offer a card to help reduce my debt. I pressed 1 to talk with a person. When I got someone on the line, I asked to be taken off their list and they said no. I repeatedly ( at least 5 times ) asked to be taken off and they kept saying no. When I asked why, they said they didn't know. I asked to speak to a supervisor and the person said that they were the supervisor. I asked to keep speaking and they said they were the owner of the company. I asked again to be taken off, and they said " N-O. Do you not know what that means? '' I finally told them I would report them and hung up.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (TX)

I received an email from a scammer claiming to be Lendingtree saying I was approved for a loan. I called the number in the email ( XXXX ) as instructed to do so. They started verifying my personal information aloud such as my social and account number then they started asking me for my online login and debit card number which of course I did not give to them. They said they needed it for them to deposit money and for me to send it back in order to have the loan funded.
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

Today I received several harrassing calls from iQDatainc saying they were collecting a debt. I asked what was he referring to and please provide me a copy of the collection notice. He stated ( I have this recorded and said I was recording several times ) I have not received notice of the debt in collections. I asked for a copy continues to provide an address and the agent said he was not sending me a mail copy. I have received several calls today past XXXX which is unacceptable for a work day.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account from XXXX XXXX XXXX showing as charged off on my credit report that is not accurate. I contacted XXXX XXXX and they have no record of the account in question as I have a different account with them in good standing. I then contacted Transunion to dispute this information and their investigation didn't remove the item in question. I called XXXX XXXX again to, once again, verify that the account listed on my credit report was incorrect and they, once again, confirmed that my account is in good standing and that the one showing on my Transunion credit report is incorrect.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

I have reached out to Moneylion by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

bank of america sent a renew credit card to my old address. some one got the credit card and used it to make at {$900.00} purchase at XXXX XXXX XXXX XXXX store at XX/XX/2019. i reported and filed a XXXX   dispute with bank of america right away while the transaction still pending. bank of america denied my dispute for the reason that the card was used for the charge. the card was used because it was stolen. how can bank of america let the card to be used without activation?
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XXXX XX/XX/XXXX, I contacted my bank, USAA, to update my mortgage payment for a new escrow estimate. As a condition to assisting me, the representative required I provide my employment status, industry, and name of employer. It is unclear to me why any of these questions should be a condition of service, though the representative claims it is now required by government regulation.
Consumer complaint received 2019-09-10
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: Experian Information Solutions Inc. (MD)

Never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only Experian keep reporting with what kind of proof and the account in good standing ( please see letter from wynfiled attached. ) Experian is not challenging them well.
Consumer complaint received 2017-10-01
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 submitted a dispute online via Equifax website. I asked for validation of an item on my credit report. On XXXX/XXXX/XXXX, Equifax informed me that they had concluded my investigation by determining that the item was correct. I did n't receive documents showing me what was used to VALIDATE the debt.
Consumer complaint received 2019-09-11
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: Experian Information Solutions Inc. (NV)

I would like to file a complaint against XXXX, XXXX and Experian regarding XXXX XXXX. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or XXXX through Bankruptcy XXXX XXXX. '' I would like for XXXX, XXXX and Experian to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a zero balance but I want proof of the account or I want it removed from my report.
Consumer complaint received 2019-09-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I talk with mrs..XXXX  XXXX concerning the loan whin I was in storm of XXXX of the year of 2017 whin chase bank said that you or trying to repair your home they will help you but I was trick I was only two months behind bacis on what chase bank said but come to find out it was way to put you in modification whin you really don't need it.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My most recent FICO score says I have one late payment in the past twelve months. I have reached out to XXXX, XXXX XXXX, and Experian, and all of them show that I have no late payments. I have no idea how to fix this!!!!! Also, Experian are thieves, you can not get a human on the phone and I had to pay after checking just two weeks ago.

Anyway, how is fico reporting a late payment and I do not see a late payment on any report??? This is time-consuming and horrible and life-impacting and I am done.

I just need help. If my payment history shows 100 % on XXXX  and XXXX XXXX, and no late payments on Experian why is FICO incorrect and how does it get fixed? No one should have to go through this.
Consumer complaint received 2019-09-09
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNTS. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX  and Transunion ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, XXXX # XXXX. 
XXXX  did remove it.
Consumer complaint received 2019-09-09
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. (CA)

I have reached out to XXXX by telephone and their online customer service center. I only get a automated system that states a representative will call me back. When the call back happens as soon as you answer it hangs up. When submitting requests thru the online customer support it sends back a generic message and tells you to login to view details. My loan balance is incorrect and not reporting to my credit correctly. I have tried to call at least 10 times and have sent in 5 requests. Please help me resolve this.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

After unsuccessful attempt to open a new checking account with a bank, the banker informed me that XXXX provided negative information about me and it affected the bank 's decision. I got contact info for XXXX and I called the number and requested a copy of my report but never heard back from them. They do not employ a life person for inquiries and it is impossible to reach for resolution.