davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
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 items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have 3 bankruptcies on my credit report and over 115 inquiries on each report due to identify theft. 
Transunion experience, eqifax, XXXX and l i, i did not disclose any personal information to these companies for any reason, nor did the bankruptcy court or my attorney. We sent letters of expungement from the courts on XX/XX/2023 for them to be taken of my credit report all companies have failed to do so. They are violating my rights as a consumer, And under FCRA. Can you someone please reach out to these companies Transunion XXXX XXXX XXXX XXXX And have them to remove all 3 bankruptcies off of my credit report XXXX  XXXX XXXX  XXXX XXXX  XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX  inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2024-01-24
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. (GA)

XXXX XXXX has violated my rights. 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 an account without my written instruction.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (ME)

In XX/XX/XXXX, nelnet sent me a follow up email where they recommend and steered me towards in school deferment. Had I not agreed to in school deferment and instead went into forbearance or different deferment ( months that would/should count ) I would be forgiven with pslf in XX/XX/XXXXXXXX XXXX 

I did not go back into repayment with nelnet until XX/XX/XXXXXXXX This is about 4 years I have lost because of this servicer giving me bad information and advice again steering me into school deferment.I am missing XXXX. These months do not show up at all on my count tracker with XXXX who now handles PSLF. 

Please note that this was not an automatic process, I did not get put into in school deferment automatically. I had to go back and forth with my college registrar office as my college needed to fill out a form and send it back to Nelnet. My college recommended that Nelnet use the XXXX XXXX XXXXXXXX XXXX to verify my in school status. 

I was told by Nelnet that they did not use the XXXX XXXX XXXX XXXX, which I find rather odd as servicers should be using the same national database to verify a students status. 

Both I and my college had to do legwork/paperwork to get into in school deferment status. My college physically had to fill out this paperwork and send it to Nelnet. 

I have also sent this matter to the office of consumer advocacy PHEAA.
Consumer complaint received 2018-10-12
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. (WI)

There are two accounts that have just suddenly appeared on my credit report that I am not familiar with. Both accounts list an opening date of XX/XX/2018 and I know that I have not opened ANY new accounts within the last 6 months. I have sent both XXXX XXXX XXXX and XXXX XXXX a letter demanding validation of the debt they are attempting to collect from me.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX started reporting late. And stayed reporting late until XXXX XXXX  when it was paid in full. 
XXXX was paid weekly {$160.00} drafted from my account, instead of applying the funds to the account balance the company held the money until they received XXXX payment. If they would have applied the funds it would have decreased the balance each week and interest. The account was paid in full and sold in XXXX, 9 years after purchase. 
Now my credit report history appears that I wasn't paying my mortgage because it doesn't show a single payment on time. This is incorrect and is preventing me from buying a home. I am a productive citizen working in the XXXX industry. Even when I was out of work from workers comp in XXXX  I was still paying my mortgage.
Consumer complaint received 2023-12-25
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. (NJ)

This is to let you know of our terrible experience with Chase bank in our recent scamming occurrence. As a small business owner, we placed our hard earned money in their bank under the assumption that it is safe and secure. However, we didn't realize that their banking system is so insecure and corrupt. We take all safety precautions with our computer and banking. Somehow, beyond our control, we became the victims of software scammers who scammed us out of XXXX dollars in one day!! The whole scam could have been prevented had Chase bank simply alerted us to the suspicious activity and calls they were receiving for over a week before -which we only found out later. We were locked out of our bank account a few times the week before the scam, but when we called to find out why, they did not tell us anything, and merely reopened the account. Unfortunately, they did not try contacting us once, and even when we finally did get through, with much difficulty, to speak to someone, they did not even let us know that there was any suspicious activity going on. On our own, we figured out that someone put a XXXX wire transfer from our account, and when we told the bank about this just a few hours after it was done, they said that they can not get the money back, although it said " pending '' on the website. We were told that someone recently changed the cell phone number that was used to verify transactions. They also informed us that the caller gave an incorrect phone verification code, but was still able to pass inspection by answering some questions such as our previous address etc. We were assured that we would get the money back since it was fraudulent. We naively believed them, and patiently waited for the money to be returned. Any time we called the bank, we were told that it can take up to 10 days for the money to show up. The bank did not contact us even once to give us any assistance or to ask us any questions about the scam. We called numerous times and went down to the bank many times, but no one was able to give us any information at all. The tellers would just call the fraud line and were not given any information at all. When we went down to the bank for the fourth time to find out any more information, the teller casually mentioned to us that the fraud claim was denied and closed!!! 
We spent two hours at the bank calling numerous departments, getting transferred back and forth between the " back office '', technical team, and the fraud department just trying to speak to someone who could explain why the claim was denied!! 
Finally, we were told that since there were no failed login attempts and the scammers were able to answer all the security questions, it " must be '' that we ALLOWED them to scam us out of XXXX dollars!!! They then " opened '' and " closed '' a second claim in one hour, and informed us that we only have 3 opportunities to open a claim!
Consumer complaint received 2024-01-24
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. (GA)

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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I went into a Chase branch in XX/XX/2023 to open a trust account. The account had to get legal approval and this took about two weeks. I had to provide certain documents from my private trust to the bank before being approved to open the account. The documents were provided twice, on two different occasions. I was then called by the branch to come in a complete the account, because of the authorization from the bank 's legal department. So I proceeded to open the account. The account was open and after a few weeks, I received a text message from # XXXX which I thought was a scam or fraud, because the message was not backed up with a phone call or an email. So I called the banker, who opened the account for me and he looked into the matter. After he looked into the matter I received a letter, that the bank needed more documents from my trust, which again are private. And the banker also looking into the matter. he emailed the documents to whatever department that needed the extra documents, and then I received another text from # XXXX, so I called the number on the letter and was told what to send to them. The information was transmitted and now Chase said they can not open that type of trust for me. I do not know what that means, I feel discriminated against, and Chase has not made any additional contact with me to explain why my trust account can not be opened with them. All their text says we need more documentation The letters say the same. And legal gave the banker the okay to open the account. The departments aren't talking to each other and no one knows what is going on.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (KY)

When I answered, they wanted to know if it's me and when I said who's calling, they said it's personal. 
Another time they called, they said they are in a recorded voice and I said I don't to be recorded, they hung up Another time they said when I asked where they are calling from and they said XXXX  XXXX. 
I asked what's that and they said personal matter I also had some correspondence
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute and urgently request the correction of inaccurate information on my credit report. Upon contacting the respective banks, it was confirmed that a system glitch led to the provision of incorrect details. The banks have assured me that the negative information on these accounts will be updated to reflect a positive status or marked as closed/never late. The following accounts are currently in dispute : 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
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I received an email stating that WELLS FARGO responded so the CFPB again closes my case just because they responded but the CFPB failed to adequately examine the evidence that were provided to them from WELLS FARGO. In the letter WELLS FARGO submitted as evidence, it specifically states that We apologize that we are unable to meet your request and provide specific reasons for this process. To do so would jeopardize the integrity of our investigations. Our records show the claim documentation that we can provide was mailed to your address on file XX/XX/2024. We have enclosed a copy for reference. They are literally saying we cant provide you evidence but we are going to willfully and intentionally deny you your securities because the transaction were valid and was not made in error. In order to make that legal determination there has to be some evidence but again they have failed and refused in providing evidence to their legal claim. The so called evidence that sent to me on XXXX XXXX which I sent copies to the CFPB were just computer generated Bank Statements and according to a previous case filed against WELLS FARGO, bank statements are false and Misleading representation of evidence and omitted from material facts. Once again that have refused to provide any evidence of their determination but has continuously deny and refuse to reissue my securities, at this point I see no other option but to take this to Federal claims. They also stated that page 20 of the Deposit Agreement States that was signed by myself and WELLS FARGO states what a deposit account is but I read it 4 times and no where does it describe a Deposit Account is or isnt. ( see attach )
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MA)

I lost my wallet on the XXXX or XXXX XX/XX/2021 at a Gas Station in the XXXX XXXX XXXX XXXX, CA ( in my wallet there was CAC, My driver license, SSN cards, 1 GTCC, 2 debit cards and 1 credit card ) and notice several fraudulent transactions occurring with the lost debit and credit cards. Later I found out there are identity thief actions going on using my Identities including open bank account XXXX XXXX XXXX XXXX, American express ) attempt to loan the money from the bank. I started report to let the bank know that this is going on, all figured out but only AMEX denied my disputed and they believed that I am the one created the account and use up to {$1800.00}. I have 2 police reports from the XXXX XXXX XXXX XXXX and couples of FTC reports. I need help, I am the victim of identity theft. Whatever evidence that you need please ask so I can prove that I have nothing to do with American Express Credit charged ( {$1800.00} ).
Consumer complaint received 2022-09-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have sent several complaints to you recently, and told your credit bureau to " investigate every piece of information '' on the account listed below. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term `` investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through persoal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified by how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FCRA 15 USC 1681, everything has to be 100 % accurate. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. I have filed complaints with the FTC, CFPB, and directly with your credit bureau ( phone, mail & fax ). I have documented all of my efforts and will pursue all resources available to me.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and am submitting this complaint to request the removal of fraudulent accounts from my credit report, as mandated by FCRA Section 605b. 
The following fraudulent accounts were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (CA)

Hello CFPB, I, XXXX XXXX, am a victim of Id Theft at Paypal Inc. An account was created in my name using my email ID 'XXXX ' on XX/XX/XXXX siphoning off {$15000.00} from my XXXX XXXX  XXXX Checking And Debit Card accounts . I filed a previous CFPB complaint against Paypal Inc. asking for return of lost money. XXXX  XXXX XXXX eventually did chargebacks on the transactions to return the whole money of {$15000.00} back to my original XXXX XXXXXXXX XXXX Checking Account in XX/XX/XXXX and XX/XX/XXXX from the ID Theft Paypal Account 'XXXX ' with Account ID 'XXXX XXXX ' that possessed my money. The previous complaint against Paypal Inc. with CFPB is XXXX. On XX/XX/XXXX, Paypal Inc has informed me on my phone call to them that my account is still in Fraudulent state and is pending investigation for previous complaint # XXXX and associated XXXX   complaint # XXXX. 

This is a Harassment complaint against the above ID Theft perpetrator who is the account owner of Paypal Account 'XXXXXXXX ' with Account ID 'XXXX XXXX ' . ID Theft perpetrator constantly texts my phone # XXXX asking for Release of Stolen Money back to the 'XXXX ' with usage of profane words. This has been an ongoing Harassment issue since XXXX of XXXX till now ( XX/XX/XXXX ). 

Paypal Inc. has to take legal action against the above ID Theft perpetrator account 'XXXX ' with Account ID 'XXXX XXXX ' ASAP so that I can protect myself from the said person 's threats against me and my family. 

XXXX XXXX Mobile # : XXXX Email ID : XXXX XXXX
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. XXXX  XXXX employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX  and was removed off my credit back in XXXX. It keep showing up on my report.
Consumer complaint received 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

account XXXX in the amount of {$1200.00}, requested for validation and has not been provided. There are multiple errors with the reporting and have submitted multiple disputes requesting validation of the debt in my name. I have reason to believe this is not my debt and am falling victim to identity theft.