davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

In XXXX of XXXX I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 
Following that I informed all creditors and credit bureaus of this. In XXXX of XXXX I realized that all except Equifax had updated my name. I also realized at this time ( due to a mortgage loan application ) that creditors were unable to pull my credit from Equifax. 
I contacted Equifax in XXXX of XXXX. I was told it would be updated as I sent in documentation. 
I tried to pull my own file with Equifax through myfico.com and they also were not able to pull my Equifax and refunded my the money. 
I was told by Equifax over the phone, it's correct it just isn't reflecting however it is definitely under my name correctly. I noticed in my account with Equifax on their website. It shows my name as XXXX XXXX on my account page, however in my credit file under personal information, it still shows XXXX XXXX. Under, " Formerly Known As '' it is blank. 
I would also like to state my credit file with Equifax has not changed nor been updated in years, even though I have two different mortgages, two refinances, different and new credit cards etc, in this time. 

There is no freeze on my report, Equifax website tells me there no freeze. I figured it would work itself out as I know sometimes corrections can take time. 

XXXX of XXXX, I apply for a cash out refinance. My Lender tells me they are unable to pull my Equifax credit report. Luckily my loan was still approved. 

I logged into my Equifax account, and realize that my name is still not accurately reflecting and that my credit history, etc, has not been updated in YEARS! 

I contacted Equifax again, through the dispute center online via their website. Confirmation number XXXX and brought the issue to their attention. I also re-uploaded my name change documents. A couple days later I received an email saying my issue was resolved and that in short, told me to make sure my lenders were sending in accurate information when they go to pull my credit. The entire response was essentially a none answer, and still did not resolve my issue. 

Lenders, including myself through myfico are unable to pull my report, my report has still not changed or updated in years, and my name change STILL has not been done nor reflected on my credit report. From the lenders side Equifax just doesn't send back anything, it is blank. 

I am at my wits end and I am here seeking your help.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (CA)

On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number.
Consumer complaint received 2019-07-10
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. (TX)

Equifax and XXXX are reporting incorrectly a {$31.00} balance due on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account is over ( 7 ) years old and reporting this account is a violation of the Fair Credit Reporting Act. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I own a checking account at capital one bank, they offered me to apply for a credit card. 
I accepted that offer and the bank opened me a credit card without any issues XXXX XXXX XXXX 
After a couple of weeks later they requiered a XXXX XXXX  ID. 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. The credit card was opened with my passport and XXXX document XXXX XXXX XXXX  accepted.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX account # 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 instructions.
Consumer complaint received 2022-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-09-08
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. (DC)

According to https : //www.equifaxsecurity2017.comXXXX my personal information was mishandled in a recent data breach. I am worried about identity theft but unsure what I can do to protect myself.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE BEEN A VICTIM OF FRAUD FOR YEARS AND HAVE A FRAUD ALERT ON MY XXXX CREDIT BURIALS I HAVE FOUND WRONG SOCIAL SECURITY NUMBERS WRONG NAME AND COLLECTION ACCOUNTS THAT DO NOT BELONG TO ME. 

MY NAME IS XXXX XXXX XXXX MY SOCIAL IS XXXX DATE OF BIRTH IS XX/XX/1982 ADDRESS IS XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX PHONE NUMBER IS XXXX THERE IS ON MY XXXX REPORT ERRORS PROFESSIONAL DEBT THAT DOES NOT BELONG TO ME XXXX XXXX XXXX DOES NOT BELONG TO ME XXXX XXXX  DOES NOT BELONG TO ME I WOULD LIKE THIS CORRECTED AS IT IS AFFECTING MY CREDIT AND MY FINANCES ON XXXX THERE IS ERRORS TOO XXXX XXXX XXXX DOES NOT BELONG TO ME ON TRANSUNION THERE IS ERRORS TOO XXXX DOES NOT BELONG TO ME PROF DEBT DOES NOT BELONG TO ME
Consumer complaint received 2022-03-15
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. (CA)

I don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit report.
Consumer complaint received 2017-09-08
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. (IL)

The Equifax data breach onXX/XX/2017 has compromised my personal information. 

Per Equifax site regarding data breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2022-10-24
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. (NV)

The Department Of Education has XXXX discrepancies. 1 ) the open date is incorrect, I wasn't a student in XXXX  I attended college in XXXX open date should reflect these dates. 
2 ) they reported XXXX late payment, which is incorrect. i was never late on any student loan accounts. I have XXXX other accounts within the department of education which are both updated with correct information as far as no, late payment history and the open date are correct. the XXXX false account needs to be properly investigated and deleted. I have disputed this account with the credit bureaus and the company. the dispute was closed 10 days later. leading me to believe their was a through investigation.
Consumer complaint received 2024-06-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IL)

I really don't understand why every time I send money to my receivers which they are supposed to receive in minutes because I was charged for it. My receivers will complain about them not receiving the money until after XXXX to XXXX business days. Please something really needs to be done about it because this is ridiculous I don't know what the problem is and this is not the first time I am complaining about same problem. I was told something will be done about it when I tried to reached out via a phone call. But clearly nothing has been done because my receipt is saying otherwise from my recent transaction.
Consumer complaint received 2017-09-08
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. (CA)

On XXXX XXXX, 2017, Equifax notified the U.S. public that it mishandled Personally Identifiable Information of all its U.S. customers ( including me ; I verified this at their emergency website ) by not investing into proper cybersecurity products, was hacked, and is pushing the burden of fixing the issue onto customers.
This is infuriating - in the U.S., Equifax collects information from you if you do as little as apply for a job, so there was no consent to the collection of my information and certainly no consent to the criminally negligent storage of this information without proper security.
While Equifax is offering free credit monitoring for the next year to all affected, to verify your eligibility to sign up for that monitoring, you must : ( 1 ) Wait several days, which opens the door to your credit becoming trashed through no fault of your own and requiring you to take steps to fix it, when literally every other U.S. customer pursues the same remedies ( 2 ) Consent to an arbitration provision that is legally coercive, unenforceable in many jurisdictions, and likely in violation of the Federal Arbitration Act, basically amounting to trusting the same company that was criminally negligent again
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

Equifax has been compromised and I, along with 143 million others, have had information stolen due to their incompetence. Now all of their services are down. On top of it all, they want us to use their subsidiary to protect our identity while simultaneously having us opt-out of the ability to bring a class action lawsuit to them. 

This is unacceptable.
Consumer complaint received 2022-05-05
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. (FL)

In accordance with the fair credit reporting act XXXX account 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 instructions.
Consumer complaint received 2022-05-05
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 XXXX account 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 instructions.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Business account with B of A Checking on one of my vendors XXXX XXXX takes there payment every week on Monday at midnight, My funds from Merchant Services for my business transfers on Tuesday as well to cover my bills every week. 

I am being hit with {$35.00} XXXX Fees during this time since XX/XX/XXXX till currently I called in XX/XX/XXXX to the Vendor XXXX XXXX explained how this is hurting me and to please change my due date to Wednesday, that I am a small Business and can not afford the NSF fees, they said there is nothing they can do. 
I called my Bank of America, I went in person and escalated it to the Branch Manager to help me please it's now in the {$1000.00} 's for the XXXX and that it's all happening on the same day to please help me, All my attempts were denied. I gave the Bank about {$120000.00} in business last year, and feel that I am a small growing business and they should want to help me with this matter they offered me no solutions and refused to help me. 
I have had my Business account with Bank of America since XXXX XXXX XXXX XXXX XXXX and need help.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Consumer complaint received 2021-06-14
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. (VA)

I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 XXXX ID # XXXX. 

XXXX, XXXX and Equifax has repeatedly " verified '' this as accurate information. 

My question to XXXX, XXXX  and Equifax has always been : " Which original source of the information did they verify accuracy with ''? 
I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (AZ)

I had service with XXXX XXXX during a pre-priced trial period and my bill kept increasing every month I was told it was adjustments to the account and I would be given a credit for the over charges. This continued for several months with constant calls to customer service to try to resolve this issue. after two more excessive billing cycles I was done I called and terminated services with a balance of XXXX dollars owed. When I received the final Bill I was surprised to see a balance of XXXX dollars due. When I contacted customer service I was told there was an error and if I reinstated the account they would offer 6 months of premium channels I would just pay the XXXX dollars and would be fine at this point I said just submit the final bill I did not want to continue service. On the XX/XX/XXXX I was shocked to have received a letter of collection from AFNI Inc in the amount of {$550.00} and this is not correct
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XXXX/XXXX/XXXX I applied for a position with XXXX through the Department of Labor. XXXX listed a match for the position of XXXX XXXX XXXX and instructed applicants to email their resume to the HR rep provided. The next day, I received a reply from the Recruiting Team stating that I am qualified for their position. This information came from XXXX XXXX, however the email address is from " XXXXXXXXXXXX ''. Normally, the " XXXX '' would come after the @ symbol. Anyway, I accepted the position and received an Employment Agreement Letter via email. The job title changed to Administrative Clerk. This job is based out of XXXX XXXX, MO of which I would work remotely. Per the Recruiting Team, I would report to XXXX XXXX XXXX who would facilitate training for 1 week ( XXXX - XXXX ) at pay of {$14.00} an hour and start the job on Monday XXXX at pay of {$29.00} an hour. He advised I would receive all the materials needed for the job ( Laptop, Scanner/Printer, Desk, and File cabinet ). He sent me a check in the amount of {$2800.00} to deposit and wire transfer payments to a vendor who would retrieve, deliver, and install all equipment. After I completed the transfer, he said the vendor advised him that more money was needed due to upgrades. XXXX XXXX sent me another check by priority mail to deposit in my account to process another wire transfer. This second check was in the same amount at the first! I told him that I still have {$71.00} from the 1st check that he sent me, and asked what should I do with that. He said to wait for further instructions. The bank placed a hold on that deposit ; eventually they were returned. Both checks was remitted by a XXXX XXXX. 

At this point I was skeptical of the entire ordeal as I was not sure of my employment status with XXXX. So I went to their website and emailed XXXX XXXX XXXX @ XXXXXXXXXXXX. However, I did not receive a reply. I also left a voicemail @ XXXX. I never spoke to the recruiter or XXXX XXXX XXXX over the phone as everything was done via XXXX XXXX online ; including the interview. Also after the second check was returned, I was asked to personally cover the funds and I would be reimbursed. Shortly after that, I ceased communication with XXXX XXXX. Since then, my bank account has been overdrawn, closed, and re-opened with a new account number. Unfortunately, a bank investigator has not been assigned to my case as of yet. I kept the receipts of the wire transfers, as well as the employment letter and XXXX XXXX conversation. Please let me know how I can help to recuperate these funds. My bank account is on lock, and I need my funds to pay bills and co-pays for appointments. 
The Employment Agreement Letter is from XXXX XXXX XXXX XXXX Kansas XXXX, MO XXXX Headquaters. http : XXXX XXXXXXXX. I have attached the conversation to include copies of the receipt and check.
Consumer complaint received 2022-03-15
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. (CA)

I don't know why these accounts are still reporting!! They're not even mine and I have sent every dispute under the earth trying to remove these things from my credit report.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I filed for bankruptcy in XX/XX/XXXX as a result XXXX XXXX charged off my credit card account in XX/XX/XXXX which is understandable. However, XXXX XXXX reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that XXXX XXXX remove the additional charge of dates has been unsuccessful. XXXX XXXX refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that XXXX XXXX has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the account that are still showing on my report. 
GM FINANCIAL XXXX creditor GM FINANCIAL LEASING XXXX Balance : -