davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
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)

Equifax Complaint : They show 2 credit inquiries from XXXX that were not mine. First on XX/XX/2018 and second on XX/XX/2018. I've disputed it with both Equifax online and the results were and they said a credit inquiry can not be manually removed. I've called equifax several times and they have not removed and done anything. 
On XX/XX/XXXX I have set up a fraud alert with all credit agencies, nothing show all the other agencies only at equifax. 

Fast forward I received a notification my credit was pull again by XXXX XX/XX/XXXX. Again, i have not authorized or applied for anything. I called XXXX fraud department at XXXX and was told the same information. No account was created with my info. 

XXXX Complaint I've contacted XXXX fraud department several times at XXXX. They say no accounts have been created on my name and perhaps this is just a reporting error. They keep on telling all I can do is go to their website and file an inciddent. 

Neither XXXX or Equifax seems to be wanting to resolve the reporting issue and update my records.
Consumer complaint received 2017-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Darvin Furniture is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Submitted disputes XX/XX/XXXX and XX/XX/XXXX to XXXX and Equifax that information regarding a bankruptcy they were listing is inaccurate. Each time they responded they had verified the listing. I asked for their procedure they used to verify bankruptcy I never recieved it.
Consumer complaint received 2022-08-15
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)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX reference # XXXX ), has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (AZ)

I received a collection letter from  CMRE Financial Services, INC.   XXXX   XXXX    XXXX   XXXX     XXXX   XXXX .  XXXX , CA.  XXXX  dated  XXXX / XXXX / 2017  in the amount of {$180.00}. They state the original debt was owed to  XXXX   XXXX ,  XXXX .   This debt is not my responsibility and I am concerned based on the poor reputation of this company that they will report fraudulent information to the credit bureaus.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NC)

I am a victim of identify theft and Chase Bank is violating my consumer protection rights. I have contacted them and informed them that my ex   husband opened credit cards in my name. The company responded by saying that the address on the account matches my home address therefore the debt is valid. This is ridiculous and I demand that they investigate my claims immediately. I want these cards taken off my credit report and a full fraud investigation. The lady I spoke with today said the debt was valid even though I provided the name of my ex husband and information, including but not limited, the bankruptcy filing which included these accounts. This is ridiculous and I want this off my credit report immediately. I will settle the debt but I want the tradeline deleted.
Consumer complaint received 2019-03-29
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. (AZ)

these are accounts are fraudulent and they there old thery just pooped up from someone else credit XXXX XXXX XXXX XXXX   Equifax Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 1 High Credit : {$2000.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 Equifax XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code :  Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : 0 High Credit : {$0.00} Credit Limit : {$2000.00} Past Due : {$1700.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 2019-03-29
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. (AZ)

these are accounts are fraudulent and they there old thery just XXXX up from someone else credit XXXX XXXX TransUnion XXXX XXXX   Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 1 High Credit : {$2000.00} Credit Limit : {$2000.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX XXXX : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : XXXX High Credit : {$0.00} Credit Limit : {$2000.00} Past Due : {$1700.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Unpaid balance reported as a loss by the credit grantor. 
**CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO
Consumer complaint received 2018-11-02
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)

On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Consumer complaint received 2018-11-02
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. (IL)

On XX/XX/2018I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of the debts/ accounts I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. Each of these debts have been disputed and deleted in the past and keeps reappearing on my credit report, being either sold or charged off each time they are disputed. The specific accounts I am disputing have made it to the collections section of my credit report which is heavily damaging my credit score. The credit bureaus have failed me as a consumer by not ensuring that the information being reported by them is identified correctly. I am requesting that once and for all these accounts be deleted from my credit report.
Consumer complaint received 2018-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

XX/XX/XXXX - Requested PayPal to transfer my {$490.00} balance to my XXXX XXXX XXXX ( XXXX ) Checking Account. 
XX/XX/XXXX - After a week I noticed the funds weren't available in my XXXX account. Usually they arrive after 3-business days. I contact PayPal support online. 
XX/XX/XXXX - PayPal responds that my bank should have posted it by XX/XX/XXXX and asked me to wait for XX/XX/XXXX and if its not available they will initiate a withdrawal trace. I also email my banker at XXXX to have him look into things on their end. 
XX/XX/XXXX - XXXX  ACH Manager confirms they show no signs of this transfer and request that I get an ACH tracer number from PayPal. I email back to PayPal and let them know it hasn't appeared in my checking and ask for the ACH tracer number. 
XX/XX/XXXX - PayPal replies with a 9-digit tracer number to provider to XXXX. I provide this to XXXX  who can not track with the 9-digit number and say that tracing numbers are typically 15-digits long. I call PayPal and after an hour on the phone they tell me the 9-digit number is a case number and the tracking will be emailed to me as it will take them 48-hours to obtain. 
XX/XX/XXXX - I reach out to PayPal again to follow up on the 15-digit number. 
XX/XX/XXXX - PayPal responds and asks for another 72-hours to get the 15-digit tracer number. 
XX/XX/XXXX - PayPal responds that they shows XXXX accepted the ACH transfer that was made but provide no tracer number. I reply again that I'm pending a 15-digit tracer number from them. 
XX/XX/XXXX - PayPal again replies with the same 9-digit tracer number. I call and spend 90-minutes on the phone with them and finally escalate to a Manager who tells me that they had a global system issue from XXXX where several ACH transfers failed and that I must've been affected by this. He tells me that the funds will be in my XXXX XXXX  automatically on XXXX. He offers in the meantime a {$490.00} credit which I could then transfer to my XXXX account in the meantime and I decline because that temporary credit would be withdrawn from my account on XXXX and I didn't trust them to have this fix. I was smart to do this. 
XX/XX/XXXX - Funds still not showing up in my XXXX  account. I spend another 90-minutes on the phone with 4 different people from PayPal ( manager level highest level of customer service reached ). I'm offered an employee ID and told all calls are recorded but no issue or tracking number for this " global issue ''. I'm told that I need to be patient and just wait. I'm told they have no ETA on when this will be fixed or when I'll see the funds but they ask for my patience.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This XXXX XXXX XXXX account XXXX first began to go delinquent in or before XX/XX/2011 and is now well past the 7 year reporting rule defined by the Fair Debt Collection Practices Act. I previously disputed this with Transunion, however Transunion continues to report it on my credit report.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I will mail a complaint to the Utah Department XXXX XXXX XXXX today. I have already submitted a complaint via https : //forms.federalreserveconsumerhelp.gov/. 
On XX/XX/2022, I made a wire transfer of {$29000.00} to what turned out to be a fraudulent XXXX XXXX XXXX account that was intended to go to a title company as a down payment for a home purchase. 
I quickly requested the funds be recalled, and with the help of an FBI agent, have been calling Ally Bank Customer Service and XXXX XXXX departments to get a status update. Every time I call, the reps can only tell me that the case is ongoing. 
Ally Bank has provided inadequate service on this case. I can not get clear responses from the representatives with whom I speak. I have never spoken with the case XXXX directly. No one from Ally has reached out to me for more information or to provide a status update. On XX/XX/2022 I spoke with XXXX at the XXXX XXXX department. He was very uncooperative, did not provide me with useful information, would not provide me with his last name, and could not give me any dates of when this was expected to be resolved. When I requested that he find more information, he said that was all of the information he had. When I asked if I could speak with a supervisor, he said he was only able to transfer me to the voicemail of a supervisor, not a direct connection. 
To resolve the problem, I would appreciate a direct call from the case XXXX XXXX, or someone who is directly working on the case, to provide me with specific dates and times so I know when this case can be resolved.
Consumer complaint received 2017-07-04
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: EQUIFAX, INC. (NC)

I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
Consumer complaint received 2018-10-08
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. (IL)

on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
Consumer complaint received 2018-10-08
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. (IL)

on XXXX XXXX I sent a certified letter to XXXX, asking for them to investigate items on my credit report. I got a letter saying it was verified in which i sent another certified letter asking for proof of signature and also how did they verified this account. I was sent a letter saying they where not going to investigate the items any longer.
Consumer complaint received 2018-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I spoke with Nelnet and advised them that my loan keeps going up even though I was making payments each month on time. They told me that I would need to go into a higher repayment plan ( standard repayment instead of graduated repayment ) in order to have my payments go towards my principle. I am making payments now and am having the same issue. My payment amount is {$280.00} per month and I am paying {$300.00} and my payments are still not being applied to principal. I do not see how this is ethical. All of my other loans that I pay, I pay the same way, however, I am actually lowering my balance.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My wife had unauthorized transactions the amount total was XXXX from her Wells Fargo checking account .These transactions occurred between XX/XX/XXXX to XX/XX/XXXX a total of 60 transactions according to records provided by Wells Fargo . There are 3 companies that where taking her money without her consent They are XXXX, XXXX and XXXX When my wife realized that the transactions had occurred it was not until around XX/XX/XXXX. She then contacted Wells Fargo and had the bank first stop these companies from using her account o pay for the services. My wife had not made any of the purchases showing in her account. They where made falsely by another party somehow. The bank did the investigation and on XX/XX/XXXX they sent a letter to her and stated they would reimburse {$330.00} FOR THE UNAUTHORIZED transactions. They stated that any transactions more than 60 days could not be reversed. I her husband then wrote a certified letter to the Wells Fargo Operations Complaint Management office in XXXX  ca.and explained that the most likely reason my wife did not notice these charges was because she unfortunately has been treated for XXXX XXXX for the last 5 years.

Most of that treatment is XXXX and she was XXXX   much of the time. Since I have retired am better able to assist her with her bank account.The result of my letter to Wells Fargo was they as of approx XX/XX/XXXX and credited her {$520.00} which we are grateful for. However it just does not seem correct that a Bank who makes so much profit can not extend to her the full amount taken from here account with her condition. I want to help her as well as she is on XXXX, She worked all of her left until she got sick I am retired now so our income is somewhat limited. I don't know if there is anything that can be done by your organization to help her. The letters I received from Wells Fargo state that transactions over 60 days they would contact the merchant and attempt to recover the money This process could take up to 120 days. Perhaps you could find if Wells Fargo has contacted XXXX, XXXX or XXXX and the amount they credited her account individually. Then I can write and contact XXXX, XXXX and XXXX  and explain the situation and perhaps they might reimburse her Thank you sincerely XXXX XXXX