davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
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. (GA)

XXXX, Transunion, and XXXX  are all reporting I owe XXXX. I do not owe this amount to the car. They are reporting it was in Bankruptcy in XXXX. The car was paid off as agree on XX/XX/XXXX. 

I started a dispute with all three credit bureau in the month of XXXX and XXXX to have the erroneous information removed. All three credit bureaus came back with the information that was correctly reported. 

According to the Fair, Credit reporting agency incorrect or information being reported on my credit report which is not accurate nor do they contact the actual business to verify the information. They completely rely on XXXX XXXX and all of their information is incorrect. 

I have included files to show proof of my efforts and all three credit bureaus refused to remove incorrect information. They have violated the number of days of validation and reinvestigation. All three credit bureaus have failed to comply with the Fair Debt Collection Practices Act. My next move is to file a lawsuit against all three credit bureaus this is my last attempt to show efforts in removing the inaccurate information.
Consumer complaint received 2021-12-11
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: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Received notice of credit inquiry by XXXX on XX/XX/21 via email. After accessing my XXXX account, it showed that Cash Central had made a credit inquiry on XX/XX/21, and I did not apply for any credit or authorize any company to access my credit report. I would like to have this removed from my credit report by Cash Central. If the company deems this is a legitimate inquiry, I would like supporting documentation with the actual name of the business in which the application was made, the terms of the loan, and proof of my authorization of accessing my credit report - preferably a signature. If this was made electronically, I would like the audit trail of the transaction, including the public IP address, time, and date the authorization came from.
Consumer complaint received 2021-08-28
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. (GA)

My credit report and email have previously been hacked on numerous occasions. I should be getting monitoring free but its not working. Please assist with this issue. A statement is on my report from older issues but the more recent hacking where monitoring was offered to victims, i was excluded and unable to access. I try to monitor it but i am XXXX, so i keep it frozen but it doesn't prevent hacking. Anyway I applied, was approved and received 2 new cards. XXXX XXXX for XXXX $ and XXXX XXXX for XXXX XXXX The inquiries show and XXXX XXXX now appears but XXXX doesn't. I believe its a XXXX or bias against XXXX people. The cards were applied for simultaneously and inquiries show. They also appear online and are open. I am attaching screenshots. XXXX is my home bank. They also have credit monitoring and can supply the COMPLETE ACCURATE information directly. Balances on all accounts is always rolling behind. Its very stressful when I'm making double payments at times to pay off/down. My score should be higher. Im also sending the history. I was over XXXX. I still haven't missed any payments nor been late. Ive paid off accounts at times and my credit limit is higher on all accounts. It makes no sense that my score is below XXXX when my limit is higher with no lates. Also my XXXX is older than listed. XXXX bought out old company but account was already established for years since XXXX. With no lates. Also have a paid XXXX ( closed store ) and paid XXXX XXXX. ( Co sign, closed ). Its all in credit history not sure why research is not being done. Accuracy is important and investigations I've requested have been incomplete. Being XXXX and having XXXX stress is a trigger and i try to avoid it entirely. I shouldn't have to babysit reporting agencies nor should I feel like I'm being treated differently than XXXX  friends whose scores are higher with less credit history, less established and lates. Being in mtg industry and reviewing others credit its ridiculous to see the difference. Please assist
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

Federal employees stole all of my info and I went to Experian today to get it noted on my account. They said I had to pay {$20.00} a month to get my account flagged and monitored for identity theft. That's illegal.
Consumer complaint received 2021-05-12
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. (PA)

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX, and the three major credit bureaus XXXX XXXX Equifax, XXXX XXXX  with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2014 with a credit limit unknown, appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

Nelnet is refusing to work with the Dept of Education on my full dismissal and refund of all payments made due to the Sweet v Cardona case. DOE assures me the approval is in and they are working on it, but the XXXX out and refund has to come from Nelnet, who just received my loan in XX/XX/2023. I have called Nelnet five times to discuss this, and they refuse to allow me to speak to a manager. They also refuse to communicate with the DOE. They refuse to follow up on missing documentation with DOE and they refuse to accept the documentation of my approval of full dismissal and refund ( ie, email from DOE confirming ) directly from me. DOE won't help because they say the servicer is responsible. Meanwhile, I'm getting notices of payment due on a loan that is supposed to be automatically placed in forbearance.
Consumer complaint received 2022-04-09
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. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-10-12
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-09
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. (MD)

I have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but Equifax has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.
Consumer complaint received 2022-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I placed a call to XXXX representative stating that I was suspecting of a scam. Impostor directed me to download the anydesk app.

After I downloaded the app he directed me to start two wires in order to safeguard my finds. He said that the money would be debited immediately after the test was performed. It was only way to have my money safe.

I followed the instructions and completed wires. I filed report with bank.

Impostor texted XXXX employee ID. 
XXXX XXXX XXXX phone impostor used to commit fraud Anydesk kept sending prompts that the caller was a XXXX  verified client
Consumer complaint received 2022-04-09
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. (GA)

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, INACCURATE NAMES, AND ADDRESS.
Consumer complaint received 2022-04-09
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. (GA)

I checked my consumer report and found inaccurate items on my consumer report. The following items are XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX INACCURATE NAMES, AND ADDRESS.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy federal is in violation of the FCRA they continue to furnish inaccurate information to my consumer report. I have sent over an FTC report and a police report and navy federal continues to report inaccurate information to the consumer reporting agencies. Not following the rules under the FCRA for furnishers. They have been reporting this inaccurate information for over 120 days on my consumer report.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter in regards to inaccurate and unverified accounts reporting on my consumer report. To date almost 45 later I have not been notified either by mail or phone. I feel like I am being taken advantage of and my disputes ignored. Section 611 ( a ) clearly states a failureto investigate any dispute in the appropriate time ( 30 days ) gives me the CONSUMER the right to request that these negative items be removed from my CONSUMER report. Well its been well over 30 days ( its been 45 ) so with that being said Im asking that these items be deleted PROMPTLY. I demand that these accounts be removed immediately or I will be filing for litigation on this matter. In closing, my information was impacted by the Equifax data breach which may have caused my information to fall into the hands of the wrong people/person ( s ).
Consumer complaint received 2021-05-13
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: I.C. System, Inc. (FL)

ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT XXXX  XXXX XXXX # XXXX 
XXXX  XXXX XXXX # XXXX. 
I.C. SYSTEM, INC # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2021-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT BANK OF AMERICA # XXXX 
BANK OF AMERICA # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2018-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I scheduled a manual mortgage payment for {$5300.00} to be paid on XX/XX/XXXX. When the payment was not withdrawn by XX/XX/XXXX I called and asked why it had not been debited from my bank account. Chase assured me this was normal and that it would be effective XX/XX/XXXX. 

I called Chase on about XX/XX/XXXX and spoke with a rep named XXXX, who told me that the payment didn't go through. It ended up that for some reason, Chase stored a separate bank account for the automatic payments and manual payments. XXXX told me that if I made a manual payment on XX/XX/XXXX by telephone with her, that she would backdate the XX/XX/XXXX payment to indicate it was paid on XX/XX/XXXX. Had we not made this agreement, I would have made my mortgage payment on the XXXX as normally scheduled. 

On about XX/XX/XXXX, XXXX called me and told me that she was now refusing to honor her promise made in exchange for payment on XX/XX/XXXX, and would not backdate the payment. XXXX told me Chase has a voice recording that will corroborate our verbal agreement for early payment
Consumer complaint received 2022-04-09
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)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Ability Recovery # D96828, 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-05-13
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. (PA)

Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

My IRS refund amount of {$3100.00} aginst IRS return of XXXX  went to someone else bank account of wellsfargo bank and wellsfargo bank is not helping me to get this refund amount back. 


OnXX/XX/XXXXIRS issued a letter 150.1, after following up with IRS for almost 3-4 months with the help of Congress Man Mr. XXXX XXXX of XXXX County here in Texas. 

The letter 150.1 candidly shows that the amount of {$3100.00} went to the wrong account number, even then our name is mentioned there ( XXXX XXXX XXXX XXXX ). 

I had a personal meeting with BM of wells Fargo Bank in XXXX, TX and I have provided him the 150.1 letters. I also wrote an email to the BM and I have not got any reply on this.
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

I previously disputed a debt with AR Resources to no avail. I saw they are continuing to collect the alleged debt. I continue to dispute the validity of the alleged debt in its entirety. Further I have requested verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor, which I have not received. they are illegally attempting to collect an alleged debt, which has been disputed. As per the law, I DEMAND deletion of any credit reporting to credit reporting agencies.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION (TN)

My complaint is about customer service with Truist Bank ; Service remains very good at my local Truist Bank here in XXXX but its absolutely horrible if calling into Truist Customer Service by phone. 
There is never any immediate availability of a customer service represenative and im always put on hold for an average of at least 30 minutes before some Truist Customer Service representative becomes available to speak with me. And its usually someone with a XXXX accent that is very, very difficult to understand and often have to ask the Truist represenative to reat their comments more than once. 
BB & T customer service was easy and very good but after the merger with Sun Trust Bank and forming Truist Bank custimer service has become totally unacceptable due to call wait time, the many XXXX customer represenatives that are very difficult to understand ( Not meant to be a XXXX comment ), the inability or actions to follow up on or remedy my requests or needs, etc.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

My name has been the same. 

Ive submitted several complaints via the XXXX, CFPB, and also HHS and the XXXX  There is no reason for these credit agencies to insinuate fraud, unless they fraudulently face my credit information away before. 

I have been waiting on my Equifax settlement and XXXX  somehow doesnt do them, but I distinctly remember the auto dealer from the first complaint submitted years ago insinuating I stole a car that was settled by XXXX XXXX XXXX can not, and will not, make me a Ponzi to their scheme to defraud my credit that I froze, complained, and everything humanly possible to protect. 

Stop with the arguing and remove these items from my credit reports. 

All of these issues regarding identity have been handled with XXXX.
Consumer complaint received 2022-04-09
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. (TX)

I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the ICU XXXX ward at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.