davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to you for the second time to address the persisting issue of fraudulent items on my credit report. Despite my previous efforts, the items in question remain, and I find it necessary to bring this matter to your attention once again. 

In my initial dispute, I provided detailed information and supporting documentation to demonstrate that the items on my credit report are indeed fraudulent. Regrettably, I have yet to see any resolution or removal of these inaccuracies. 

The fraudulent items are adversely affecting my credit standing, and I am concerned about the potential repercussions this may have on my financial well-being. I have taken all necessary steps to comply with your procedures and have submitted the required documentation to verify my claims.

I kindly request that you conduct a thorough and expedited review of my dispute, taking into consideration the evidence I have previously submitted. Transparency in the resolution process is crucial, and I expect clear communication regarding the progress and outcome of your investigation.

If there are any additional steps or documentation required from my end, please notify me promptly so that I may provide the necessary information to expedite the resolution process. I am committed to cooperating fully to ensure the accurate and fair reporting of my credit information. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I filed a dispute because I was a victim of identity fraud, an investigation took placed with XXXX XXXX XXXX XXXX, and it was decided that I was indeed a victim. The company XXXX contacted me through an email and inform me that fraud did indeed take place in my case, and that they have informed all three credit bureaus to delete this negative account off of my credit report ( letter is enclosed ). I contacted all three credit bureaus concerning this deletion, but to no avail. I need help to get this account removed so I can apply for a loan to buy a house for me and my family... thank you in advance for your help
Consumer complaint received 2023-08-07
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. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that was opened without my knowledge, consent, or authority within 4 business days XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC (MI)

Money Recovery Nationwide  is collecting for  XXXX   XXXX   XXXX . in the amount of {$800.00}. I informed them I was disputing it because they were incorrect and I was unaware of this debt on my credit report. The response I received was threatening to garnish wages, said they sent it to their lawyers office already because i was n't able to settle it that day, then the next person I spoke with said they did n't send it to the lawyer. I was also inquiring about a settlement offer and she said sarcastically {$20.00} or so less than the full amount. They refused to give me a print out of what I 'm being billed for, and had contacted my employer which was highly embarrassing, considering my boss answered the phone. When I was speaking with the second individual I let her know that the first woman I spoke with was very unprofessional and spoke with a threatening manor. In the background you could hear the first individual laughing hysterically, and the second woman did n't apologize or even acknowledge it, and just asked what she can do for me. I was crying, and felt like there was nothing I could do. I 'm very scared they will take my money and I 'm currently fighting this debt. I just need help and I 'm unsure who can help me.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I have Disputed on many occasions the payment history reported on my credit report also have sent the laws that they're violating and have yet to have this problem fixed. 
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax refused to remove the negative, item, that's fraud last, four of account XXXX it shows 60 days late i, filed a federal trade commission identity theft report on file my social security number is XXXX, and also, XXXX theirs two, negative items that are fraud and trans unio their are three negative items I filed a federal trade commission identity theft report on file please have experian and equifax and XXXX XXXX removed these adverse items
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

On Thursday XX/XX/23 my phone was stolen. The person that stole my phone got into my XXXX and sent themselves {$5000.00} on friends and family in the form on a E-Check. Once I tracked down my phone using the XXXX feature 'Find My Iphone ' I immediately looked at all of my financial apps and saw that this person got into my XXXX and sent {$5000.00} to someone. I contacted XXXX but since this transaction happened through the friends and family way of sending there is no protection given through XXXX and they directed me to talk to my bank. Once talking to my bank ( Chase JP Morgan ) I informed them of the situation and I told the customer service representative to stop the check from going through. They did not do that and the next day the check went through. I then had to put in a claim to Chase and I believe they did close to nothing on investigating the situation. I was never emailed, called or texted that the claim was even opened or closed so I had to consistently call them to get an update. Yesterday I called them and they told me that the claim was now closed and they could do nothing about it. Meanwhile when I spoke to multiple customer support representative they informed me that I would get my {$5000.00} back. I am very frustrated about this situation, I can't afford to lose {$5000.00} to a thief who stole my phone and sent themselves all of this money. {$5000.00} is no little amount of money and it is truly upsetting that Chase lied to me saying that they would stop the check and put in no effort to get that money back.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Finance System of Green Bay, Inc. (WI)

It seems to be an Old report from XXXX XXXX  from XXXX XXXX XXXX. I have the documents to prove it. Also, have pics of lies on the excessive cleanings. I moved into an Apartment that wasn't the one they used for showing. I moved into an apartment that wasn't occupied in XXXX  years before I moved in because it was dirty. They tricked me into renting and I was a young adult at the time. My heater was also broken at the time. So by tenant rights, I shouldn't even pay.
Consumer complaint received 2023-11-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

In late XXXX of 2023 I made a wire transfer from my local bank, XXXX XXXX XXXX  for {$15000.00} payable to a business associate who's business account is at Wells Fargo. The wire did not process in a timely manner and he was given multiple reasons why it could not be credited to his account. He was told that it was notmal XXXX hours processing time and then XXXX hours and then XXXX due to heightened security since th XXXX XXXX XXXXXXXX. They told him that they needed to determine the reqason for the funds ( easikly determined as an investment ). After repeated attempts to receive an appropriate response as to why the extended delay, all communications from Wells  Fartgo ceased, I am including the transcript of my messages with my associate XXXX XXXX XXXX in addition to the wire instructions.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I have a Citi credit card and was offered a promotion to open a checking and savings account with Citi. Upon applying, I was denied and received a letter with a reason " Unable to verify information on my consumer report ''. The letter goes on starting " The credit reporting agency played no part in our decision and is unable to supply specific reasons why we have taken the action stated above. '' Further when I reached out to Citi to ask for further details, I received the following response after weeks of waiting : " We understand that you are displeased with the decision to not proceed with a Citibank banking relationship ; however, our position remains unchanged. According to the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we may close or suspend your account for any reason, or for no reason. This decision is final and wont be reversed. In addition, the credit reporting agency played no part in our decision in this matter. '' This neither addressed my questions for further detail nor is helpful in understanding the issue so I can possibly resolve with the credit bureau/s . This type of response is not acceptable and further details need to be provided.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Neon Newco Corporation (KY)

Well my husband and I split up and I put money on a NetSpend card and yet I lost the card on purpose as bait trying to see if someone would steal it and so I bought other cards and loaded them they couldn't get to my money though it was just {$100.00} put up for my future. I like to leave money in my past to cover my XXXX in the future and who ever XXXX that helps me so I thought since you can't look up any account without my social security card and they pulled it up just like i thought XXXX lost that card and was trying to get it transferred to the card i have now I dont remember the exact dates XXXX or XXXX but thats why they wouldn't do the transfer
Consumer complaint received 2023-11-17
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (FL)

I spoke to this company and the company they claim I have a debt from plenty of times requesting that the Collections Account to be removed from my credit file, I noticed an entry from I C Systems, dated XX/XX/XXXX, on my credit report. I have no knowledge of this account, it is inaccurate and unverifiable. Over XXXX I have request that they thoroughly investigate this matter and, if unable to provide verifiable evidence of this debt 's validity, please remove it from my credit report in accordance with applicable credit laws.i have never signed up with this business nor have done business with any affiliates with I C Systems
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (LA)

Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/XXXX, I used XXXX by American Express to routinely pull 3-bureau credit reports. After generating this, I found that American Express seemingly had put my account into collection status with XXXX and XXXX. The trouble is that this is not true at all since I have never once been late with a payment since XXXX -- - nearly XXXX  years ago. 

I called American Express which gave me the royal runaround on XX/XX/XXXX and again on XX/XX/XXXX. I then called XXXX by American Express in the afternoon of XX/XX/XXXX to inquire about all this. 

I was informed by American Express on XX/XX/XXXX and XX/XX/XXXX that they could find no evidence that my account was ever in collection status. Then XXXX by American Express on XX/XX/XXXX acknowledged that their systems were faulty and due to some nebulous programming error on their end giving consumers incorrect information. In fact, they said I was not the first consumer to report this issue. Further, they had no idea when it would be fixed. 

I let both entities know I would be reporting this to the CFPB this evening. My request is that the CFPB investigate this matter for me and any similarly situated consumer who may complain. I request that you impose civil monetary penalties against both American Express and XXXX by American Express for every affected consumer. I also ask that the CFPB issue orders compelling both American Express and CreditSecure by American Express to fix the issue on behalf of all affected consumers without undue delay. 

Please see the attached files for details.
Consumer complaint received 2023-08-21
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: Leaders Financial Company (NJ)

I sent out identity theft letters to these companies in regard to1 8 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am willing to settle their civil liability damages I have suffered as a result of their violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NJ)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the resulIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigationts of the reinvestigation
Consumer complaint received 2023-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

I've never faltered in my commitment to timely payments. The impact of this error on my XXXX well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (CT)

I reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( 5 yrs autopay ) Thank you
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-17
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. (NJ)

Inaccurate credit inquiries is reporting on my credit report Please DELETE IMMEDIATELY FROM ALL 3 credit bureaus XXXX, EQUIFAX AND XXXX 1. XXXX / XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXXXXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX XXXX Balance : {$1900.00}.