davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-01
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. (NC)

XXXX XXXX is showing on each credit report multiple times with different amounts. On each credit report it shows one amount of XXXX and another for XXXX this account is also still reporting negative as it was a charge off back in XX/XX/XXXX. I contacted XXXX XXXX when the account reported to pay a settlement amount, which was refused. Over the years I have spoken with multiple representatives to assist with correct reporting and eliminating the incorrect payment reporting with no help. Each member was rude and no one wanted to listen or allow me to prove the information in which was being reported. I disputed with the Bureaus in XX/XX/XXXX, with no luck to report correctlly or to show only one account.
Consumer complaint received 2023-01-16
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-16
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-16
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-23
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: EQUIFAX, INC. (SC)

In accordance with the FCRA, Equifax has violated my consumer rights. 

15 US Code 1681 States I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission or instructions. 

I have even requested documentation proofs ( HARD COPIES ) of my written consent and never received them, only to be sent a copy of my consumer report as they have with each complaint. 

Please see attached...
Consumer complaint received 2019-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DFC Global Corp. (SC)

I received a call from Aspen stating I opened an account and did not pay. After speaking with this company I realized they allowed an account to be opened in my name without verifying income or that the person opening account was me by requesting ID or banking info ... They deposited XXXX into an account at a bank that I do not bank at. 
This company is not verifying to make sure consumers that are opening accounts are legitimate and putting incontinent consumers at risk for identity fraud.. This company would not even tell me what measures they took to verify employment, personal information and bank account on this loan The loan opened under my name of XXXX XXXX is loan no XXXX
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.
Consumer complaint received 2021-12-15
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. (OH)

This XXXX XXXX XXXX is on my credit report and it need to be looked at and removed immediately. It stated a lot of fraudulent acts. 1st one I looked at payment history. How could I made my payment on XXXX of 2021 knowing this is not my account. I will never make payment to an account that is not mine, so thats fraudulent. The address doesnt match the actual address of where this place supposedly to be, which is fraudulent. U.S.C 1681c-2 requires ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-23
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. (MD)

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, Experian and XXXX ) for violations under the federal laws listed above. 

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 ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.
Consumer complaint received 2023-01-23
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: SYNCHRONY FINANCIAL (NY)

Never opened these accounts need these hard inquiries off asap. XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late as reported in my Equifax credit report. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-12-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Khoury Alternative Claims Management (CA)

I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

We had a mortgage with Wells Fargo and they were to come to mediation and work with for getting a proper payment plan. They representative from California was to get approval for loan modification. He never called or returned to the meditation process and filed for the foreclosure. They put the wrong address on the filing documents to the court and we lost our home unfairly during the housing crisis. 
XXXX to XXXX long period.
Consumer complaint received 2023-01-23
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. (IL)

I have noticed a collection on my credit report that I am not aware of. XXXX accounts, I am not aware of any written agreement that I have to pay them. If no contract can not be produces stating that I owe them please remove the alleged information.
Consumer complaint received 2023-01-23
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. (FL)

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. 

XXXX XXXX XXXX XXXXXXXX : # 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 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 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (CA)

I recently completed a refinance and the former company, Shellpoint Mortgage Servicing, has not returned my escrow balance for property taxes in the amount of {$8500.00}. 
Every time I call the Shellpoint customer service they state that they will not return my money because they sent it to the county via XXXX  Batch number XXXX. 

They should not have sent it in the first place because their loan was paid off and they were required to RETURN the escrow balance to me, the CONSUMER. 

The County of XXXX TAX COLLECTOR states that they have balanced ALL of the batches and they Never recieved the funds from Shellpoint for my account. 

I called Shellpoint again today and they are now saying that XXXX is returning it to them but they will not refund me. They say I HAVE TO WAIT for their mistake!!! 

I am a single mother and that money is a substantial amount of money that I desperately NEED. Shellpoint is just playing games and they MUST return my finds but they are not cooperating. Will you Please help me? They are preying on a defenseless consumer and it is completely vile!!
Consumer complaint received 2017-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

For the past month, my wife and I have been in the process of refinancing our home mortgage. The new loan has been approved and we were to close XX/XX/XXXX. This did not happen because Bank of America refuses to remove an old equity line lien. They should have done this in XX/XX/XXXX and they know this. For the past month they have lied to both my title company and myself. They keep saying they will remove the lien and provide proof of this to the title company in 5 to 10 working days. As of this writing, they still have not removed the lien. Every time either I or the title company contacts Bank of America, we get the same runaround. In my lifelong experience, this is typical of this particular bank and its employees. Meanwhile, my loan closing is being held hostage.
This is being done purposely and there is no other explanation.
Consumer complaint received 2019-12-20
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

I continue to get calls from the offices of XXXX. At first I received a call from " XXXX  county courts '' saying that ill be served if I don't call the law office. they then gave me a case number. when I called the courts back they stated that the person didn't work there and they had no record of the case number because it was missing a digit. the case number they gave me when they called me was it I triple checked. then later I called XXXX and they said they were collecting a debt for ace cash express and they made 2 attempts to contact me and now they'll have me arrested.

stressed out I called ace and they said that they no longer had the debt. now I am completely confused.
Consumer complaint received 2021-11-09
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. (MN)

On XX/XX/XXXX I sent a dispute letter by certified mail to Equifax. Tracking number # XXXX. Disputing an unauthorized inquiry. ( 1 ) by XXXX on the date of XX/XX/XXXX. ( 2 ) XXXX XXXX XXXX on the date of XX/XX/XXXX. I contacted both companies asking that the unauthorized Inquires by removed from my credit report. I was informed that Equifax Held the authority to remove the unauthorized inquiries from my credit report. On XX/XX/XXXX I called Equifax to see if they had received my Dispute letter. XXXX the Equifax representative informed me that my dispute letter had not been, nor could he remove the unauthorized inquiries from my credit report. I'm seeking to have this matter resolved. 
These inaccuracies are hindering me in many ways. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

Hello, I sent a letter regarding inaccurate and unknown items on my credit report on XX/XX/2022. Til this day over 11 months later and I still have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. It has been over 120 days so they should be deleted promptly.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 US CODE 1681e9b ) and 15 US CODE 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

This has cause me significant damage to my credit report and score and has blocked me from being able to pursue credit for my business and being able to provide for my family a better life. I am in severe distress and I need the credit bureaus to respond to my request with a reasonable investigation and to remove these unverifiable and highly questionable accounts off my consumer report. As a consumer we should be protected from companies falsifying information on our report and reporting incorrect info.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AL)

This complaint is about the Bluebird by American Express prepaid card. I am not the only one experiencing this issue. Today I was scheduled to have my paycheck direct deposited onto my card as I have done for months, however the card website, smartphone app, and phone hotline are all down. I am unable to see my balance, use my card or even check to see if I received my direct deposit. This has been going on for hours, with no explanation from American Express. I have gone to their social media pages, mostly XXXX  to ask about the issue and I have seen countless others experiencing the same issues - no access to funds, no login capability and generally no explanation or customer service. Customer service representatives do not know what is going on, what the time frame is to have the issue resolved, and have been extremely rude (even hanging up on callers). It is detrimental to my life and finances to be unable to access my funds, and I have no idea when and if I will be able to. It is 5 days before XXXX, I am a single mother living paycheck to paycheck and I am absolutely livid at this situation. I would like to at least have an explanation but the company only posts that they are "working to resolve the issue, and that we can use our cards in the meantime" - which is not true. No one is able to make any purchases or withdraw any funds from their cards. This is absolutely unacceptable. I am immensely stressed out about this, not knowing where my money is, not knowing when I'll be able to use it. I feel like something needs to be done, the company should not be able to do this to people with no explanation.
Consumer complaint received 2023-01-23
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: GERSHMAN INVESTMENT CORPORATION (MO)

I did not find out that a cash out refi was being initiated on the mortgage in my name for my residence until I received notification from my credit monitoring company that a XXXX hard inquiry in XXXX months had been initiated. The mortgage is in my name only but my husband is on the title. 

When I contacted the originator of the hard inquiry I was told that my husband had authorized it. When I spoke with him about it he told me that he did not give consent to run my credit. I requested the documentation in my file of authorization to run hard inquiries on my credit report but they have not produced anything and they have simply stated that they have never had this happen before.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX, AMOUNT {$22000.00}. I AM A VICITM OF IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THIS ACCOUNT WAS OPENED FRAUDULENTLY. THIS ACCOUNT IS REPORTING NEGATIVELY ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT WORTHINESS AND HARDSHIPS TO OBTAIN CREDIT IN THE FUTURE. JPMCB CARD SERVICES ARE VIOLATING MY RIGHTS AND USC CODES AND LAWS.
Consumer complaint received 2019-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2019 I was notified by PayPal that my account was limited. I logged in and followed the necessary steps to remove restrictions, including explaining to PayPal that I provide multiple services ( XXXX XXXX and XXXX XXXX ) XX/XX/2019 after reviewing all information they made the decision to close my account and hold my funds for 180 days I then attempted to contact PayPal and still have not received a response. I found multiple complaints online from other users who have have been affected by their shady practices. I am also aware that they use these funds they hold to make profits by loaning out for interest on their behalf. I have multiple associates who in the past have not had their full amount returned to them that was withheld.