davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Got an alert that an account was in collections from XXXX for {$500.00}. This doesnt belong to me. Ive never owed them money. I was once on a plan with XXXX with another person however I wasnt the primary, he was. This means that all balances were to be paid by him and he would take any penalties. Also I am currently using XXXX so I do not understand why they would let me obtain an account with them if I owe them money. Also received letters years ago with different amounts that I supposedly owe them. For this reasons I believe they are being dishonest and deceiving. Also someone called before a year ago to collect a debt and I paid them so they would leave me alone
Consumer complaint received 2022-07-16
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)

I sent a letter on XX/XX/XXXX to remove information on my Credit File that are UNKNOWN to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. The Equifax and XXXX Credit Bureaus have failed to comply with the FCRA sectiob 605b and continued reporting the items I was disputing wiwhout proper verification. Ive already included the Fraudulent infromation in my previous Complaints & I am including it again. 
XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$5400.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$0.00}. If XXXX and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-03-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I sent certified mail dispute letters and company claims that they never received. I am disputing incorrect items on my credit reporting which is preventing me to be accepted in a program.
Consumer complaint received 2019-01-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
Consumer complaint received 2023-03-13
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)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/year> someone opened an account with synchrony bank/Walmart in my name but used an address of XXXX XXXX XXXX, XXXX, VA XXXX XXXX I never lived at this address. I knew nothing of the account until I checked my credit report years later. I have disputed the charge on this account several times with no luck. Today when I checked my XXXX report, I learned that it was Synchrony bank that had reported the XXXX XXXX XXXX address to the credit agencies. If the address had been mine, I wouldve gotten the bills and been alerted to the fraud much earlier. I want this removed from my credit record
Consumer complaint received 2021-04-14
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. (PA)

I recently challenged the validity of XXXX # XXXX {$14000.00} XXXX XXXX L # XXXX {$3500.00} XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX # XXXX {$3500.00} XXXX XXXX XXXX XXXX {$550.00} accounts that's being reported on my most recent credit report. Upon challenging this, Transunion credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX  is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

My issues are with the financial department at the college. I am supposedly receiving money from a Fedloan, but I am still receiving statements stating that I still owe thousands of dollars to the school. I have requested of several administrators in the financial department to please meet with me, to help me understand where and how the funds are being allocated and have been totally ignored. The school seems to be getting its ' payments from the Fedloan, but there isn't enough funds afterwards for me to purchase or rent the required text books etcetera required for the courses. I can't afford to continue going to school as I can't afford to buy or rent the books and other incidentals required.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018 I made a withdrawal of {$200.00} at the counter from my checking account knowing my balance was {$1200.00}, this took place at bank of America. Then on the XX/XX/2018 i went to another branch of bank of America to make a withdrawal and got to find out the money in my account was insufficient which was a shock to me and after explaining to the clerk i was expecting to have {$1200.00} in my account. Then he printed out my bank transaction history, which was wrong and told me I had to go back to the bank where I made my last transaction of {$200.00}. Which I did on that same day but when I met with the manager and made my complaint, I was told I needed to come back in two weeks time because they had to do some internal investigation. Then I went back after two weeks and met another lady by the name of XXXX XXXX, but she said the investigation was still in process, gave me my case ID and extended the date to XX/XX/2018. So i went back on XX/XX/2018 but got the same answer that my case was still in process. Then I tried calling Bank of America on XXXX and after some couple of weeks nothing has been done and no one has gotten in contact with me.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

again, after trying to resolve the issue with my money the bank keeps saying that they will not give me money. Basically, they are not taking responsibility of my funds. I just want to stablish the fact that Wells Fargo bank will not help me. They called me XXXX days ago and said my money was coming back to me and they lied. They person that called me XXXX XXXX XXXX. He told me my money was released to me but he lied.
Consumer complaint received 2023-10-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I TALKED AND DISPUTED THE ACCOUNT WITH GENESIS CREDIT. XXXX XXXX XXXX XXXX THIS ACCOUNT showed UP ON MY CREDIT. 
I am not responsible for this collection. I spoke with them trying to solve the problem. 
This apartment was never my responsibility.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MA)

I made a Venmo account back in XXXX. I accidentally linked my old debit card to which I no longer had access to because I closed that account out. In response to that, they froze my account. They asked for verification which I sent numerous times. I spoke to at least ten representatives explaining the situation and they all gave me the run around. They all told me to fill out the form online which I did several times. I told them it was a mistake it was an old account I even send proof of my every day account to them so they could verify it and they disregarded everything and I never heard anything back. I reached out to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never received any response. I have {$270.00} just frozen in that account that I need access to and I cant. I just want my funds to be released or for them to reverify my account correctly.
Consumer complaint received 2023-03-14
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. (AR)

In accordance with the Fair Credit Reporting act : FIRST PREMIER BANK XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.
Consumer complaint received 2020-06-06
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. (FL)

MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NY)

This inquiry could stay on your report untilXX/XX/2020. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX, NC XXXX ( XXXX ) XXXX I never opened a loan with wells fargo. This hard inqury is incorrect and should not be on my report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Inquiries are being mis-reported on my credit. There are numerous inquiries that I did not give permission to the bureaus to report on the days that were given. I feel taken advantage of, as the agencies did not do their job to make sure that the information they were reporting to each company was verified.
Consumer complaint received 2018-12-21
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: EQUIFAX, INC. (IL)

I have been trying to get this issue resolved for months. The last dispute I sent in because I used proper English and explaining the problem in detail it was marked as using " credit repair '' and was not completed. I am not using any type of service I just want my report to show correct information. I am once again disputing these two accounts from XXXX account number XXXX {$40000.00} & XXXX account XXXX {$3200.00}. These are not my accounts and I don't know who they belong to. The other bureaus have already deleted these accounts from my credit report & this is the only credit bureau that is not removing fradugelent information from my credit report.
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC (CO)

Unfortunantly I am not in the best health and I have to have XXXX due to a XXXX XXXX in a few days, so I called avid acceptance to see if I could get a deferred payment for this month. The first guy I spoke to said : yes we do deferred payments and I will have your loan manager give you a call. waited a day and I still didn't get any call, so I called this morning and I was told that people are on a waiting list for deferred payments and they could put me on the list for a deferred payment. So basically they are only given allotted deferments and since I was not on the list I could get a deferment. Again I explained to the lady I was talking to that at this time I have no money, and unable to work. I asked to speak to a supervisor and was put on hold for XXXX minutes, and she stated that the supervisor went into a meeting but said I could get a deferment for XXXX. so this whole you have to be on a waiting list is pathetic.
Consumer complaint received 2018-12-21
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: EQUIFAX, INC. (FL)

There is an account reporting with XXXX XXXX on my Equifax report and the account is actually past the statue of limitations. The only bureau reporting this is Equifax and they are reporting it as though it opened two years ago. That is not accurate.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (GA)

I was called by receivables performance network to settle a debt and after coming to an agreement I paid what was owed. Since then ( About a week later ) Ive still been getting calls from this company in request to pay the bill, after I give them the requested information they see the bill was already paid and say it was a mistake, but they keep calling. Ive already requested them to stop calling. But I keep receiving calls when Im at work, when Im in class  and at this point I feel harassed. I have XXXX  and XXXX issues and this is very XXXX  distressing. Today I spoke to a call rep by the name of XXXX who laughed when I requested to be escalated to manager XXXX who although she said she would do something about this also basically brushed off my concern.
Consumer complaint received 2018-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CA)

I HAVE A WESTLAKE FINANCIAL ACCOUNT NUMBER XXXX REPORTING ON MY CREDIT REPROT. I WAS WOUNDERING IF WESTLAKE WOULD REMOVE THIS ACCOUNT IF I DO A SETTLEMENT OFFER.???
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NV)

BSI charged escrow : XXXX, XXXX, XXXX, XXXX, XXXX  XXXX per month = {$1500.00} Closing Documents XXXX per month = XXXX Balance due ME {$1000.00} BSI Refund XX/XX/2021 ( XXXX ) BSI Refund XX/XX/2021 XXXX XXXX ) Amount currently due me {$200.00} BSI refuses to refund my money. 
Attached is a letter from my accountant stating BSI in fact does owe me money through his analysis. 

In addition, BSI has dinged my credit due to their error and I want that reversed.
Consumer complaint received 2022-07-16
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. (UT)

Inaccurate Information and Violations of Laws & 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 that a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I preordered a book from an online seller on XX/XX/XXXX. The book release was delayed due to the COVID lockdown. The book started to ship on XX/XX/XXXX. I never received the book. I have contacted the merchant several times to check the status and was told that the book would ship soon. Then the merchant stopped responding to my messages. I contacted Chase to request the book or a refund but my claim was denied.
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (GA)

YOU DID NOT ANSWER MY QUESTION AT ALL AND DID NOT FIX ANY ISSUES ON MY CREDIT REPORT!!!!!!!!!!!!! TELL ME WHY MY SCORE WENT DOWN 17 POINTS AND FIX THE ISSUES THAT WERE DISPUTED TO YOUR OFFICE. YOU SHOULD ALREADY HAVE THESE ON FILE!!!!!!!!!!!!!!!

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

Commencing on or about XX/XX/, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  account to Coinbase Inc at the instructions of the scammers.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, experian, and XXXX all would not show me my report.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, XXXX, and transunion all would not show me my report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have multiple inquires to credit unions and other lending entities on or around XX/XX/year> and ending on XX/XX/year>. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for these loans and want them removed from my bureaus. 

thanks XXXX XXXX XXXX