davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have new and updated information concerning Equifax. Equifax has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Equifax is in violation of my rights as a federally protected consumer.
Consumer complaint received 2024-03-24
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. (CA)

I am writing to follow up on my previous communication and to dispute the accuracy of information you have reported to the credit bureaus for my accounts, specifically those ending in XXXX and XXXX. This dispute is raised in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

As previously communicated and in accordance with your request, I have already provided all necessary documentation to support my dispute. This includes a copy of my most recent credit report indicating the items in question, my Social Security number, the complete account numbers for the disputed accounts, and documents substantiating my claim that the reported open date, date last active, and last payment are inaccurate for both accounts. 

Despite providing this documentation, the inaccuracies remain unaddressed on my credit report, which leads me to reiterate my concerns under specific provisions of the FCRA : 15 U.S.C. 1681 section 602 ( A ) grants me a right to privacy concerning my financial information. 
15 U.S.C. 1681c ( a ) ( 5 ) restricts reporting of adverse information beyond seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) obliges furnishers to ensure the accuracy of the information they report to credit bureaus. 
The persistence of these inaccuracies on my credit reports is concerning and, I believe, violates my federally protected consumer rights to privacy and confidentiality as stipulated by the FCRA. I am seeking an immediate investigation into these matters and the correction of the disputed information.
Consumer complaint received 2020-04-07
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. (FL)

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing XXXX  work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the XXXX  breach this may have been a cause of XXXX. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Im a victim of identity that my dad has been breached. I sent this information to all three credit viewers and told them that I do not recognize charges and different credit cards that was opened in my name that I didnt approve or authorize, and they still insisting that its me. I told them to send me some documentation with my signature stating that I authorized to open his credit cards into authorize the charges they have not sent me back. 

Also, the investigation took well over 30 days which the XXXX states that it must be within 30 days 45 days if they run into a problem and I gave them copies of where certain things were taken off my credit report and they put it right back on so I have copies of this documentation to prove to you that these items should remain of my credit report they took it off but then they put it right back on, and thats a problem because its affecting my score is affected my whole life like Im having a hard time getting things in finance, finance and vehicles and anything my cop my daughters loans from college. Im having a hard time finance that so shes not gon na be able to go to college because I cant sign for a parent loan because they got this stuff on my credit report that needs to be removed and it was removed but they put it right back on here. Im asking that you expedite this and Im sending you copies of everything Im saying, that should not be on my credit report and Im sending you a copy of the credit report with it on there and then youll see the updated report was taken off and then they put it right back on there again
Consumer complaint received 2024-03-23
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. (OH)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NJ)

CKS Prime Investments also known as XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX New York XXXX Is reporting inaccurate information to the credit bureaus. I am a victim of identity theft and fraudulent accounts. I submitted police reports and they refuse to honor them. I have had fraudulent accounts on my report by other creditors that have been removed by me providing requested documents. But this company wants to be the judge and jury and wants me to pay for something that is not mine. Identify theft is not my fault and they are making it out to be my fault. I cant help accounts were fraudulently made. They are causing me great distress.They have spoken to me rudely and they have over talked and spoken loudly to drown me out on telephone conversations. This is unlawful and should be handled accordingly.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Hi how you doin? just writing to follow up with the dispute i sent on XXXX, XXXX XXXX its been over 4 months now and I thought I would get a response from your company after 30 days but it seems my letter is being ignored. I joined an online forum that discusses consumer rights and credit bureau violations and I was told that I could file complaints on CFPB since you are not doing what you're supposed to be doing. I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. Please reinvestigate and send me proof that you validated everything. I will wait for another month before i take my next steps.
Consumer complaint received 2020-04-07
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: EQUIFAX, INC. (TX)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately new my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANNER CORPORATION (CA)

On XXXX XX/XX/2020 through a series of 5 transactions of {$1900.00} ( the maximum amount allowed per transaction ) I transferred {$9500.00} from my Banner Bank account to my XXXX account. None of my transactions were completed, of the 5 transfers I requested, 2 were returned to my Banner Bank account but the other 3 are still missing ( for a total of {$5700.00} ). 

I spoke to XXXX XXXX and they said that they have a tracer number for each of the transactions indicating they returned the transfers. However, Banner Bank is stating that they have not received the transactions back from XXXX. 

Banner Bank : XXXX XXXX XXXX XXXX, WA  XXXX ( XXXX ) XXXX XXXX XXXX  : XXXX   XXXX XXXX  XXXX XXXX CA  XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Amsher Collection Services, Inc. (MO)

Hey, my name is XXXX XXXX and I dont know nothing about this debt or about no money I just move here, in somebody or someone is use my Name and my address I dont know who they is but its not my, I need yall to call me A.S.A.P! ( XXXX ) XXXX whoever doing this need to be find or be in jail because this is false information.. or Ill get a lawyer!!!
Consumer complaint received 2024-03-23
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. (MD)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. As recognized consumer reporting agencies, both Equifax and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. Designated as a " Furnisher of information to credit agencies '' within the financial institution category, 15 USC 1681 section 604 a section 2 specifies that a consumer reporting agency may only furnish a consumer report based on the written instructions of the respective consumer. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (RI)

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit XXXX are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Consumer complaint received 2020-04-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2024-03-23
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. (CT)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX bank Delaware XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX BANK DELAWARE ] - [ XXXX ] Equifax XXXX XXXX & XXXX Equifax : XXXX XXXX : XXXX XXXX BANK DELAWARE XXXX XXXX XXXX XXXX XXXX : XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am owed a few thousand dollars from the US Treasury, according to FedLoan, my student loan holder. The whole reason I'm in this mess is because FedLoan recommended I get off of IDR ( Income Driven Repayment ) at the end of 2019 because it would 'save me money ' ; instead, Fedloan raised my monthly rate thousands of dollars. I was able to work with them in XXXX and XXXX of this year to have them correct that, but even after Fedloan acknowledged their mistake and told me they fixed it, they instead continued deducting {$2300.00} from my direct debit account on XX/XX/XXXX and now, after they admitted that was their error and that I should have my money returned, are unwilling to do anything to help me get the money back from the US Treasury. I have been trying to resolve this for months and am at my wit 's end and need my money. I know a few thousand dollars is not a lot of money to some people, but it's a lot of money to my small family. I have sunk days of my life into trying to no avail to resolve this. I don't know what else to do. Please help. At this point, all I want is my money returned.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MN)

I received my direct deposit on XXXX/XXXX/16, the amount was {$610.00}. I also deposited {$9.00} same day after that direct deposit from my XXXX account. The {$9.00} posted XXXX/XXXX/16, in order, it was sequenced and shown as right after the {$610.00} deposit. 

I went to Wells Fargo on XXXX/XXXX/16 and withdrew {$350.00} cash from a teller inside the bank. After this, I did not have a negative balance. Next, a telephone payment from XXXX XXXX XXXX I set up posted to account and shown as deducted on XXXX/XXXX/16, in the amount of {$140.00}. My account was not negative, I had enough money / available balance to cover that. When I logged into online banking it showed in order, right after the cash withdrawal on XXXX/XXXX/16, same day. 

On XXXX/XXXX/16 my other job 's direct deposit of {$910.00} came in and was part of my available balance. I went to the bank and saw a teller and withdrew {$830.00} cash of that. My account was not negative. After the withdrawal approx. {$50.00} was the available balance. 

Yesterday on XXXX/XXXX/16 I logged into online banking and saw my balance was negative, - {$24.00}. I allowed XXXX XXXX Bank to process a bank account payment of {$50.00} on XXXX/XXXX/16. 

But, Wells Fargo said the overdraft is from XXXX XXXX XXXX payment of {$140.00} and charged me a {$35.00} overdraft fee. I looked at the order of transactions and the only logical explanation is that they are re-ordering transactions to justify that, just off the simple chronological order of my transactions it is impossible that payment would cause this overdraft. That is unacceptable! 

Before I filled out this What happened? section of my complaint i logged into online banking again to review and I see I have now been charged another {$35.00} overdraft fee for the {$50.00} XXXX XXXX payment. But, online banking shows a deposit of {$34.00} from Well Fargo & Co Pln Pymt right after the aforementioned {$910.00} deposit, then a withdrawal of {$830.00}, next the {$50.00} XXXX XXXX payment, and lastly the {$35.00} XXXX XXXX overdraft fee. 

My current balance is - {$60.00}. 

Yesterday, when I decided to submit a complaint it was because they were re-ordering the transactions not in their true order to justify the {$35.00} overdraft fee for my XXXX XXXX XXXX payment. Instead, now I am including the second {$35.00} overdraft fee for the XXXX XXXX payment as they are grossly and blatantly trying to manipulate my account for {$70.00}, I do not appreciate that. 

I would never challenge a legitimate fee, and I ca n't believe that Wells Fargo would move my transactions around out-of-order versus the daily balance that they provide me! Just to get fees for themselves! Please help. 

Feel free to contact me with any questions / if you need clarification.
Consumer complaint received 2020-08-03
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. (IL)

On XX/XX/XXXX, I logged into my online banking profile and saw that {$6300.00} was transferred out of my checking and savings accounts into a bank account that I did not recognize. I immediately spoke to my husband ( joint account holder ), who had no knowledge of the transfer either. I contacted my local branch in XXXX XXXX that same day, went into the branch and was informed that someone had added another party to our accounts, despite the fact that neither my husband nor I had authorized this. This then stolen transferred all of our funds out of this account. I asked them to reverse the transfer and they stated that they couldnt. That same day, I filed a claim with the branch employee and was promised that this would be resolved promptly and that they would return the funds soon. In the meantime, my husband and I were left with no money to pay our bills. I also filed a police report and completed a claim form which I provided to the branch employee. The following week, I called to check the status of my claim, and I was informed that the central office had never received my claim form. I contacted the branch where I had filed the claim and they informed me that the branch employee must have sent it to the wrong area. We resent the form and weeks passed by without any information regarding my claim. Keep in mind, that I was contacting the bank at least once a week ( usually more than once ) for a status update. When I did not receive calls back from the branch manager, I involved the district manager, who ensured me that this would be taken care of and that my funds would be returned promptly. I also asked for information on how this could have happened because in order for the bank to add another holder to a joint account, all parties must be present with identification, and my husband and I obviously did not go the bank to add someone to the accounts. We are also both in possession of our identification so this does not make sense. The bank has refused to provide me with copies of my account records, documents, and/or signature cards and have still not provided any information regarding how something like this could have happened. I also still have not received my funds back despite the fact that 8 weeks have now passed since I filed the claim. Last week, the branch manager assured me that a check would be mailed that week, but I have yet to receive it. Further, the district manager is not responded to my calls or emails regarding a resolution or status update for my claim.