davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (FL)

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED.
 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 2022-08-26
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: Consumer Adjustment Company Incorporated (CA)

On XX/XX/2022 CONSUMER ADJ CO added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA CONSUMER ADJ CO has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2020-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

I have tried to get information as to why they has listed my accounts the way they have so it seem I have all of this debt cause my accounts are listed one by one and I was in the income driven program and was told that even though my payback amount was XXXX it sill cointed towards the PSLF program and when you look at the statements it says XXXX went towards that program this comapny has not informed me on anything I have been doing research on my own.
Consumer complaint received 2022-07-22
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. (LA)

In accordance with fair reporting act acct # XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America made a mistake and tried to pull over {$43000.00} from my personal checking account at XXXX for a BofA visa credit card bill that was around {$4300.00}. I was alerted to this by XXXX, immediately called BofA and they told me that they would correct their mistake and only withdraw the correct amount to pay the balance due on my credit card. They failed to do this incurring a late fee for no payment. Then my credit score was dropped by 167 points. I have spent hours on the phone with BoA trying to rectify their mistake. They finally said they submitted a correction to the 3 credit reporting bureaus but refuse to send me any documentation that they have done so. I am applying for a rental application and I will be denied unless BofA sends me some sort of proof that it was their mistake that effected my credit score. I have spent hours on the phone with them an have not been able to get to a resolution. They refuse to give me any proof that they will file a correction to my credit score with the three credit bureaus.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

XXXX XXXX has given my information to Diversified Consultnts to collect on a debt for XXXX. I have disputed this collection on XXXX, XXXX 2017, XXXX XXXX 2017, and XX/XX/2017. Each time this account was removed from my credit report. This company keep reporting the same account using different account numbers. Which is illegal and unfair I have worked hard to have a good credit report. Only for them to make my score drop every time. I dont know how to stop them I have spoken with them and the credit bureau but, no one seem to help. I need for them to remove me for their database. And to clear my credit reports. The most resent is XX/XX/XXXX just when I was to speak with a mortgage company.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  bankruptcyXXXX XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated 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 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Social Finance, Inc. (MD)

I have a conventional home loan with SoFi mortgage for which I have elected to receive only electronic documentation. In the last month I have become unable to access any information about the mortgage from the SoFi website. This include the remaining balance, upcoming payments, status of tax payments and insurance. I have tried several times to speak with customer service via phone and email and this has been unsuccessful in resolving the issue.
Consumer complaint received 2022-02-17
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. (AL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (IL)

Fraudulent account opened in my name Using my old address info Creditor Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX Phone XXXX Original Creditor Name SPEEDY CASH Balance {$830.00} Opened XXXX XXXX, 2019
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX I was the victim of a car break in. My personal information, drivers license SSN card and some credit cards were stolen from my vehicle. On XX/XX/XXXX I received a call from Apple asking if I applied for a Apple Card. I explained I had not and please do NOT to approve this card as It was not me.The call was and has been verified that that is exactly what was said to the representative and is also noted in the call logs. In XXXX of XXXX I applied for a New morrtgage and this account appeared on my credit report as a delinquent account. I immediately contacted Apple /Goldman Sachs and explained this situation and that it was fraudently. I also sent in a copy of the police report filed and a copy of the FTC identity theft report. The account was closed as fraudently on XXXX XXXX and removed from my all three of my reports. On XX/XX/XXXX This account was re inserted intomy account with no warning or information. I Have called numerous times since and spoke with several indivudal supervisors who have said they have no idea why the information was removed and subsequently placed back three weeks later. All have said they would remove the information but as of today it still appears on all three credit bureaus even though I have provided all the necessary documents and information required. FTC report, Police report, Driversl license and SSN card. This is causing me distress and effecting my ability to access credit that I have built and upkept for years.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO. (NY)

I have been a chase customer for years Since XX/XX/2022 I have been having troubles accessing my online banking account I have called Chase multiple times They Never fully fix the problem When I went to my main branch so they can contact Chase customer support for me they told me I would never be able to use the Chase online banking As a chase customer Through continuing to talk to customer support they have worsened the problem they have accuse me of fraud and Unrestricted access to my card Almost leaving me stranded while I was on vacation I would very much appreciate your help in this matter.
Consumer complaint received 2023-08-21
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: Spring Oaks Capital, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2018-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

PREDATORY LENDING VIOLATION TO THE ELDERLY VIA TELEMARKETING. CT HAS A PREDATORY LENDING LAW THAT WAS TOTALLY IGNORED BY THE  TELEMARKETERS : XXXX XXXX & XXXX XXXX. I KEEP ASKING WELLS FARGO FOR THE TRANSCRIPT FROM THE TELEMARKETERS 7 MANY, MANY OTHER QUESTIONS THAT THEY REFUSE TO ANSWER. MY PARENTS HOME WAS QUIT CLAIMED TO ME & IS WHERE I RESIDE AND HAVE RESIDED OFF & ON SINCE 1957. IN CT WHEN PEOPLE MY PARENT 'S AGE APPLY FOR A REVERSE MTG. THE REVERSE CO. WILL NOT COMPLY UNLESS AN ATTY REPRESENT THE BORROWERS. THEY UNDERSTAND THE CONSEQUENCES OF TRYING TO SCAM THE ELDERLY. WHY DIDN'T XXXX A.K.A. WELLS FARGO OFFER MY PARENTS AN ATTY? LOOKING AT MY MOTHERS ' SIGNATURE IT IS WEAK & XXXX A SIGN OF XXXX. MY FATHER PRINTED HIS NAME WHERE IT STATES TO SIGN & SIGN WHERE IT STATES TO PRINT. XXXX A.K.A. WELLS FARGO TOOK ADVANTAGE OF A CONFUSED ELDERLY COUPLE & THAT IS A VIOLATION OF CT PREDATORY LENDING.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

On Friday XX/XX/2020 I attempted to call on the phone to Equifax they were unable to verify my identity over the phone I know I answered everything correctly so I'm concerned that there's some misinformation in the Equifax credit report file how do I go about correcting that if I can't reach anybody. furthermore I would like a free credit report cuz recently I've applied for some apartments and Rental credit checks were ran and I had a new bank account so I think I should be able to get a free credit report if not I think it's a new year of gen XX/XX/2020 so I should be able to get the annual free credit report.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX website per their request, but it keeps crashing.
Consumer complaint received 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

My loans are being inappropriately and I believe illegally serviced. My loans have been illegally serviced so severely in the past they lost coverage by their guarantor and are now being self-serviced/guaranteed by PHEAA. They have repeatedly inappropriately applied deferments and forebarences. Now I found out that during the COVID pandemic when I was supposed to be getting payments deferred without interest penalties... They illegally were continuing to charge me interest the entire time and capitalizing the interest on the account ( so they've now collected interest on top of interest ). Additionally, I work for a non-profit and even after applying multiple times for the forgiveness program, they continued to intentionally make the process challenging, complicated, and nearly impossible. PHEAA has been predatory and abusive throughout the entire length of time they've serviced my loans.
Consumer complaint received 2024-03-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OR)

On XX/XX/year> my wife went to the local XXXX XXXX store buy a few items at the time the cashier tell her if she spend XXXX dllars more she can get a Free bag so the cashier recommend to return the items and then purchase the same item plus another item but on my statement the return never show up I have to charge for the same items my wife contact the store a few days later when I ask her about the XXXX purchases and she tell me was just XXXX so once she contacted the store they say we have to call the cc bank and they will take care of that I have to XXXX receipts XXXX show up The first purchase and also the return and the XXXX  purchase I call the bank at least XXXX  times and simply they not do anything even with the XXXX receipts
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California,XXXX  XXXX XXXX Account # XXXX Account # XXXX CD Acc # XXXX Subject : Confirmation of Good Standing with IRS and Debt-Free Status Dear Chase Bank I hope this message finds you well. I am pleased to inform you that upon reviewing my tax transcripts, it has been confirmed that my business is in good standing with the IRS and there are no outstanding debts or violations to report. 

I wanted to provide this update to ensure that you have the most accurate and up-to-date information regarding my business 's financial status. I trust that this confirmation will meet the requirements for any necessary account updates or holds to be removed. 

Please do not hesitate to reach out if you require any further documentation or information from my end. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation and assistance. 

Best regards, XXXX XXXX
Consumer complaint received 2022-02-17
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. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-07-27
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. (NY)

I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Consumer complaint received 2018-05-02
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: Experian Information Solutions Inc. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX BANK Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX SERVICES XXXX Date:XX/XX/XXXX XXXX : XXXX Date:XX/XX/XXXX XXXX : XXXX OWNER Date : XX/XX/XXXX Account Name : XXXX XXXX BANK XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX  XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2022-02-17
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. (LA)

XXXX, XXXX, and Transunion refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!