davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

I have called Aidvantage once a month at the beginning of the month since XX/XX/. My loan payment keeps jumping to {$350.00} I have private loan payments totaling {$1300.00}, and the representatives on the phone say that I am moving to a plan each month that costs around {$40.00}. Then the next month a bill comes for {$350.00} and I call. They apologize and say the need to reprocess it and put it on forbearance for another month, but my loans are still accruing interest, and there is no supervisor or manager to speak to that can accurately and fully explain what keeps happening to my payment terms.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I initiated a phone call to the company inquiring about my credit limit and why wasn't I provided a card in the mail? The company referred me back to the dentist office, Dentist office referred me back to the company. I certified mailed in a Debt validation letter inquiring about this account. As well as started a dispute with all 3 credit bureau about this account, it was reported closed but not removed. Currently The company XXXX XXXX continuously attempting an ACH withdraw everyday or every other day out my account as the account is reported closed on my social security credit report. Furthermore The Dentist office XXXX XXXX XXXX as well as XXXX XXXX are reporting two different company names. Which has me totally confused.
Consumer complaint received 2023-12-27
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXXXXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

My name is XXXX XXXX XXXX. I would like to very strongly complain to whom it may concern ; Wells Fargo has claimed that " arbitration is beneficial because it provides a legally binding decision in a more streamlined, cost-effective manner than a typical court case. '' On the week starting of XX/XX/2022 I experienced, as you categorized serval times over the phone and in person at several branches, a complete account take over. 

The case number that has been provided to me is XXXX. 
Tracking number XXXX. 


To begin, normally I am not made aware of small retail/transaction activity. Even whilst moving from state to state or if the charge amout is out of the ordinary. When it exceeds a certain amount, it is required of me as a card holder to authorize, via a phone call or text message, and verify the transaction. This has never happened in the history of my experience with Wells Fargo. 

Furthermore, when I discovered these unauthorized and alarming transactions i immediately called the bank and had to proved to them my identity over the phone to access my account. 
While i was on the phone it was obvious to me that there were transactions that were not made by me. After having the bank look into the activity, they admittedly categorized these charges as fraudulent. 

I alledge, Wells Fargo blocks access to an efficient or cost-effective dispute resolution. 
It is bad enough that Wells Fargo has engaged in unfair overdraft practices, but now Wells Fargo has first forced customers to arbitrate as individual cases, and then obstructed the arbitration process. It is clear by how Wells Fargo is defending these arbitrations that it not about the promised streamlined and cost-effective resolution of claims, it is about using the arbitration process to attempt to deny any remedy for consumers Confused and anxious, I contacted every branch I have made transactions at, and requested to see video surveillance of the time of transactions not done by me. 

While meeting with the bank reps, they recognized that some transactions were done in person and some online. 

Over the year, I have spent countless hours on the phone with bank representatives, lawyers, law enforcement, mediation and even the FBI to try to settle this. 

HELP ME!!
Consumer complaint received 2023-12-27
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX Balance : {$66.00}.
Consumer complaint received 2023-08-16
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I AM ONLY LIABLE FOR THIS DEBIT WITH XXXX XXXX XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED. I CONTACTED THE ORIGINAL CREDITOR, AND I SETTLED THE AMOUNT WITH XXXX XXXX AND PAID THEM IN FULL. THEY AGREED TO REMOVE THE COLLECTION ACCOUNT FROM MY CREDIT REPORTS FROM THE THREE CREDIT BUREAUS. I BELIEVE THAT XXXX XXXX ARE SCAMMING, BECAUSE I ALREADY PAID THE ORIGINAL CREDITOR XXXX, AND I DO NOT HAVE A CONTRACT WITH XXXX XXXX. I DO NOT HAVE ANYTHING TO DO WITH THEM. THEY DO NOT HAVE ANY RIGHT TO KEEP THE COLLECTION ON MY REPORTS WHEN I HAD AGREED WITH THE ORIGINAL CREDITER TO PAY AND DELETE. I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT REPORTS IMMEDIATELY.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-12-27
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-27
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$300000.00} ; XXXX XXXX  XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-27
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)

XXXX XXXX has been removed from my credit report with XXXX and XXXX but experian has not deleted this file I will now have to file legal action as this is a violation of my rights and this is holding my credt back. I stated that this account was not mines and the refused to remove it even when i provided ftc and police reports they didnt move it. So now i will file legal action
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 sec 602 I have right to privacy15USC sec 604 states a consumer report agency may not furnish an account without written consent. 15USC 1681 ( a ) ( 5 ) no consumer reporting agency make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than 7 years please move this account
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA ()

I made a payment against my Marcus card by Goldman Sachs in XXXX. As it didn't show up I made additional payments to pay off the full balance and made inquiries on both sides. XXXXXXXX XXXX showed my payment being cashed by GS on XX/XX/XXXX, but at no time did it show up against my account. I contacted GS repeatedly, and on each occasion GS told me they could not see my payment. 

I escalated, after several attempts, and eventually ( today ) my payment showed up. 
GM credited me an additional {$1.00} It seems there should be some cost to the bank to discourage the practice of misappropriating customer payments, and stonewalling requests to escalate.
Consumer complaint received 2023-05-26
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)

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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Received a 1099-c f, rom XXXX XXXX for tax year XXXX cancellation of debt and filed with my income for that year. This account is still on my credit report when is should not be. The debt no longer exist,
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

a set of Hard inquires on Transunion report even with identity alert on file. I do not have open accounts XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
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. (FL)

I have consistently disputed the inaccuracies in the provided information with Equifax and XXXX ; regrettably, the matter remains unresolved to date. The items listed do not pertain to me and are a consequence of unauthorized fraud that I did not authorize. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

Payment originally submitted to Nelnet for XX/XX/XXXX. Confirmation email received on the day of submittal, XX/XX/XXXX. Upon checking Nelnet website on XX/XX/XXXX ( and several days after that ), that payment is not appearing anywhere in history or processing payments ( Still gone as of XX/XX/XXXX ). 

To avoid past due balances ( WHICH I NOW HAVE INCURRED AS A RESULT OF THEIR SYSTEM ERRORS... ) I created another payment for that day, XX/XX/XXXX. It is now disappeared from the homepage/payment history in the same fashion ( appearing NOWHERE on their site ) and I have a past due balance. Not one payment has cleared from my bank account yet, but I am no longer comfortable submitting another payment to remove the past due balance, as I am not sure if they will all suddenly clear from my bank balance at the same time. 

I attempted to call before making the second XX/XX/XXXX payment, but was on hold for over 2 hours.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MO)

CITI bank can not do simple addition and even after a month they have not corrected their bank error of {$990.00}. 
XX/XX/XXXX, I noticed a deposit into my account that I did not recognize for the amount of {$990.00}. 
I called the bank to investigate what happened. 
Apparently, a XXXX XXXX deposited his social security check into my account. 
I rejected that deposit as it was not mine. 
The bank in turn debited my account twice for the {$990.00} that was deposited. 
I have called the bank over and over again, at least 15 times, to resolve this and to date they have not returned the money to my account. 
For that matter, the bank has filed collection processes on me in the amount of {$100.00} for the overdraft that the debit caused. At no time was I overdrawn. The fact is I should have over {$800.00} in my account.
Consumer complaint received 2023-12-27
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. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}